3-Hour Flood Insurance (NFIP) - Virginia

3-Hour Flood Insurance (NFIP) CE Course – Virginia

• Approved by the Virginia Insurance Continuing Education Board | Provider #164929 ✅
• Course ID: 229596 | Only $22.99 — No added or extra fees
• Stay compliant and sharpen your flood insurance knowledge with this Virginia-approved 3-hour Flood Insurance (NFIP) continuing education course. It’s 100% online and self-paced, so you can log in and out anytime without losing your place. You’ll get an instant certificate of completion when you finish, and we report your CE credits within 24 hours.
• Important: Virginia charges a $2.60 per CE credit hour “course credit hour fee” for reporting completions through Sircon. We do not add that fee at checkout.

Course Description & Benefits

• Flood insurance is one of the most misunderstood lines of coverage, and small mistakes can create big E&O risk. This course focuses on the National Flood Insurance Program (NFIP), common client scenarios, lender-driven requirements, policy structure, rating basics, claims timelines, mapping changes, and ethical communication.
• Explain flood zones and why “not in a flood zone” does not mean “no risk”
• Understand NFIP policy types and when each applies (including condos)
• Handle lender questions confidently (mandatory purchase, limits, forced placement)
• Improve documentation and reduce E&O exposure with best practices
• Guide clients through claims, Proof of Loss expectations, and mitigation options

Who Should Take This Course

• This course is designed for Virginia-licensed insurance producers who need approved CE hours and want practical flood insurance knowledge, including:
• Property & Casualty agents who sell or service homeowners policies
• Producers working with real estate transactions and lender requests
• Agents who advise clients on flood coverage options, renewals, and claims support
• Insurance professionals who want to reduce errors and improve disclosures

Virginia Insurance License Renewal Requirements

Virginia insurance producers must complete 24 total CE hours during each 2-year renewal period, including 3 hours of Ethics. Your CE must be completed and posted before you renew.

This course provides 3 approved CE hours toward the 24-hour requirement (this course is not an Ethics course).

How to Renew Your Virginia Insurance License (Step-by-Step)

• Step 1: Confirm your renewal deadline
• Locate your license expiration date and confirm your remaining CE hours.
• Step 2: Complete your required CE hours
• Finish 24 total hours (including 3 Ethics) during your 2-year renewal period.
• Step 3: Take this 3-hour Flood Insurance (NFIP) course online
• Self-paced, mobile-friendly, and you can log in/out anytime without losing progress.
• Step 4: Get your instant certificate
• Download your certificate immediately after completion for your records.
• Step 5: We report your credits within 24 hours
• Once posted, you can complete your renewal.
• Need help? Call or text 1-800-698-2770.

Topics Covered (Course Outline)

• Hour 1: NFIP Foundations, Compliance, and Core Concepts
• NFIP purpose, federal authority, and how program partners work together
• Community participation, floodplain management, and mitigation incentives
• Flood zones, SFHAs, BFEs, and how elevation data impacts compliance and pricing
• NFIP policy forms (Dwelling, General Property, RCBAP) and when each applies
• Mandatory purchase requirements tied to federally related loans
• Producer responsibilities: disclosures, documentation, advertising accuracy, and recordkeeping
• Hour 2: Rating, Underwriting, and Policy Mechanics
• Key rating variables and how risk factors influence premium
• Required underwriting data and how to validate submissions
• Building vs. contents coverage, limits, deductibles, waiting periods, ICC, and exclusions
• Valuation concepts and property features that affect coverage treatment
• Endorsements, cancellations, refunds, renewals, and policy transfers
• Condo and lender scenarios: RCBAP vs. unit-owner coverage and coverage layering
• Hour 3: Claims, Mitigation, Mapping Changes, and Ethical Practice
• Claims lifecycle: notice of loss, inspections, Proof of Loss expectations, and documentation
• Substantial damage concepts and mitigation-related claim considerations (including ICC concepts)
• Map revisions and how to handle changes that affect zones or BFEs
• Mitigation strategies and how they can impact risk and cost over time
• Ethical sales practices: clear communication of limits and exclusions
• E&O prevention: checklists, accurate applications, and durable records

Why Choose 1st Choice Continuing Education

• $22.99 — No added or extra fees
• 100% Online & Self-Paced
• Log in/out anytime without losing progress
• Instant certificate of completion
• Credits reported within 24 hours
• Money-back guarantee
• Trusted CE provider with 10+ years of experience
• Support by phone or text: 1-800-698-2770

Support When You Need It

• Have a question about Virginia insurance CE, the Virginia Insurance Continuing Education Board, or this course? Call or text us at 1-800-698-2770.
• We also speak Spanish.

Enroll Now

✅ Enroll in the 3-Hour Flood Insurance (NFIP) course for Virginia for $22.99 and complete your flood CE today.