Course Description

3-Hour Flood Insurance (NFIP) – Texas

Approved by the Texas Department of Insurance (TDI) | Provider #233452 | Course ID #145612 ✅
Only $19.99 — No added or extra fees (the $3.90 TDI filing fee is already included)

Get up to speed on FEMA’s National Flood Insurance Program (NFIP) and Risk Rating 2.0 with this 100% online, self-paced 3-hour course. Log in and out anytime, finish on your schedule, and download your certificate instantly. We report your credits to TDI within 24 hours. With 10+ years serving thousands of producers, 1st Choice CE keeps Texas CE fast, affordable, and transparent.

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Who Should Take This Course?

Texas resident and nonresident insurance producers/agents in any line who sell, service, or advise on flood exposures and need CE. This course provides 3 general CE hours (flood/NFIP), great for P&C agents, personal lines, small commercial, surplus/excess lines, and agency staff who field flood questions.

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Texas CE & Renewal — What to Know

• Most producers: 24 total CE hours every 2 years, including at least 2 hours of Ethics.

• Your CE may be completed online/self-paced; Texas uses 50-minute hours.

• TDI assesses $1.30 per CE hour; many providers add this fee at checkout. Your $19.99 price already includes the $3.90 filing fee—no surprises.

• Some lines may have additional content rules (e.g., annuities, LTC). This course counts toward your general CE hours.

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How to Renew (Step-by-Step)

Step 1 — Know your hours. Plan for 24 hours/2 years (including 2 hours Ethics).
Step 2 — Complete this 3-Hour Flood Insurance (NFIP) course. Self-paced; your progress is saved.
Step 3 — Get your instant certificate. Download immediately for your records.
Step 4 — We report for you. We submit your credits to TDI within 24 hours.
Step 5 — Renew your license with TDI. File your renewal by your due date and keep your certificate.

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What You’ll Learn — Course Outline (3 Hours, Texas 50-Minute Hours)

Hour 1 — NFIP Foundations, Compliance & Core Concepts

• Purpose, federal authority, and coordination among FEMA, communities, and insurers

• Community participation, floodplain ordinances, and the CRS incentive program

• Flood zones (A/AE/AO/AH, V/VE, X), SFHAs, BFEs, and Elevation Certificates

• SFIP forms: Dwelling, General Property, RCBAP—when each applies

• Mandatory purchase tied to federally related loans; lender enforcement & force-placement

• Producer responsibilities: disclosures, suitability documentation, compliant advertising, recordkeeping

Hour 2 — Risk Rating 2.0, Underwriting & Policy Mechanics

• Key Risk Rating 2.0 variables (frequency, distance to water, first-floor height, foundation, occupancy)

• Required underwriting data and validation methods

• Building vs. contents coverage, ICC, deductibles, waiting periods, basement limitations

• RC vs. ACV, primary vs. non-primary residence, basements/crawlspaces/elevated enclosures

• Endorsements, cancellations, refunds, policy transfers/assumptions, and private/excess flood coordination

• Practical lender/condo scenarios (RCBAP vs. HO-6), small-business needs, excess layering

Hour 3 — Claims, Mitigation, Mapping Changes & Ethical Practice

• Claims lifecycle: notice of loss, inspections, Proof of Loss timelines, appeals, documentation

• Substantial damage/improvement, ICC claims, coordinating repairs with local officials/codes

• Map revisions (LOMA/LOMR-F), newly mapped rules, adjusting limits when zones/BFEs change

• Mitigation strategies (elevation, compliant openings, utilities relocation) and premium impact

• Ethical sales practices: clear limits/exclusions, avoid overpromising, serve vulnerable clients, manage COIs

• Reducing E&O: checklists, gap/declination notices, accurate apps, durable records

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Why Choose 1st Choice CE?

✅ TDI-Approved (Provider #233452, Course #145612)
✅ $19.99 flat — no extra fees (TDI filing fee included)
✅ 100% Online & Mobile Friendly
✅ Self-Paced — Log in/out anytime
✅ Instant Certificate
✅ State Reporting Within 24 Hours
✅ Money-Back Guarantee
✅ Support by Call or Text — 1-800-698-2770

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See Our Other Texas Insurance Online Courses

✅ 3-Hour Insurance Ethics — Texas ($19.99, no extra fees)
✅ 3-Hour Flood Insurance (NFIP) — Texas ($19.99, no extra fees)
✅ 4-Hour LTC Partnership — Ongoing Training — Texas ($19.99, no extra fees)
✅ 4-Hour Annuity Best-Interest/Suitability — Texas ($19.99, no extra fees)

FAQ — Texas Insurance CE (applies to Ethics, Flood (NFIP), LTC Partnership Ongoing, and Annuity Best-Interest)

✅ Does this course count toward my 24 total CE hours in Texas?
Yes. Each course awards the stated number of CE hours and counts toward your 24-hour, 2-year requirement. Ethics satisfies the Ethics portion; LTC Partnership Ongoing satisfies the ongoing 4-hour LTCP refresher; Annuity Best-Interest satisfies the one-time 4-hour annuity training; Flood (NFIP) counts as general CE.

✅ Do I also need product-specific training from carriers?
Sometimes. Annuities almost always require insurer product-specific training in addition to this NAIC best-interest course. Some carriers may also require product modules for LTC. Check your carrier/GA appointment requirements.

✅ Is the TDI filing fee included in the price?
Yes. Texas charges $1.30 per CE hour. Your $19.99 price already includes the filing fee ($3.90 for 3-hour courses; $5.20 for 4-hour courses). No added or extra fees.

✅ How fast do you report my credits to TDI?
Within 24 hours of completion. You’ll also receive an instant certificate for your records.

✅ Is the course 100% online and self-paced?
Yes. You can log in and out anytime from any device and your progress is saved.

✅ Are there quizzes or a final exam?
You’ll see brief knowledge checks to reinforce learning. If a final assessment is presented, you’ll have unlimited retakes and clear feedback.

✅ When should I complete CE relative to my renewal date?
Complete all required CE before your license expiration so TDI has your credits on file when you renew.

✅ Does Ethics have to be a separate course?
Texas requires at least 2 hours of Ethics within your 24 hours. Our 3-Hour Ethics course covers that requirement and counts toward your total hours.

✅ Is the Annuity Best-Interest training one-time or recurring?
One-time (4 hours) under the NAIC Best-Interest model—complete it before soliciting/selling annuities. Carrier product-specific training may recur per insurer rules.

✅ How often is LTC Partnership training required?
After the initial 8-hour course, Texas requires 4 hours of Ongoing LTC Partnership training every 24 months. Our LTC course fulfills that ongoing requirement.

✅ Do nonresidents licensed in Texas qualify?
Yes. Resident and nonresident Texas licensees can take these courses; credits are reported to TDI the same way.

✅ What if plans change—do you offer a guarantee?
Yes. We offer a money-back guarantee and friendly support by call or text at 1-800-698-2770.

Course Details

• Approved by Texas Department of Insurance
• Approved Provider #233452
• Approved Course #145612
• Instant Access - Online Course.
• Study At Your Own Pace. Anytime.
• On Any Device. Phone, Tablet, or Computer.
• Hassle Free Navigation. Easy to Follow.
• Certificate emailed immediately upon completion.
• 1-800-698-2770 for any questions.