Insurance Agent Training Courses
The National Flood Insurance Program (NFIP) offers in-person and online training courses or licensed property and casualty insurance agents. To mitigate the spread of COVID-19 and following CDC guidance, courses are offered as a webinar instead of in-person training.
Risk Rating 2.0: Equity in Action Webinars for Agents
FEMA is updating the National Flood Insurance Program's risk rating methodology through the implementation of a new pricing methodology called Risk Rating 2.0 - Equity in Action. The methodology leverages industry best practices and cutting-edge technology to enable FEMA to deliver rates that are actuarially sound, equitable, easier to understand and better reflect a property's flood risk.
This webinar brings agents the latest information on how and when Risk Rating 2.0 will be implemented. It will also discuss the following key topics:
- What is Risk Rating 2.0: Equity in Action
- What led to this NFIP transformation
- The NFIP today
- What is changing
- What is not changing
- Transition of current policies
Continuing education course approval and credits vary by state for insurance agents. Visit the CE information page for important details about your state.
To register, please use the links below. These webinars are FREE to attend, but spaces are limited so please register early.
September 2021 - Register Now! (Capacity is Limited)
The Risk Rating 2.0: Equity in Action Webinar is approved for Continuing Education (CE) credit for Property & Casualty (P&C) insurance agents in 49 states and Washington, D.C. CE is provided at no cost to attendees. Please review the CE information page for your state for important details.
Note: The states of California, Illinois, Michigan, Oklahoma, Utah, and Virginia require that agents complete both parts of the course consecutively, in the same week, to receive credit for the course. Other states have approved Parts 1 and 2 as separate courses, which allows agents to take the two classes at different times, earning CE credit for each part as they complete it.
If you have questions, please contact us.
Online NFIP agent courses
Insurance agents can also find NFIP flood insurance training online through the FEMA Emergency Management Institute (EMI) Independent Study Program.
Please note: These courses are not approved for CE credit by any State Department of Insurance.
The Basic Agent Tutorial presents the fundamentals, including zones, coverage, loss settlement, and underwriting rating concepts such as the FEMA Elevation Certificate. The course covers all training topics mandated by the Flood Insurance Reform Act (FIRA) 2004, The Basic Agent Tutorial (IS-1101).
This course complies with the flood training content required by the Flood Insurance Reform Act of 2004 (FIRA). For information regarding your state's requirements under FIRA, please refer to the bulletin issued by your state Department of Insurance. For clarification regarding your state's requirements for flood training, please contact your state Department of Insurance.
This specialized course is appropriate for those with a basic understanding of the FEMA Elevation Certificate and who are ready to tackle advanced topics in elevation rating for A and V zones. Important rating considerations in high-risk zones are discussed and demonstrated including the Lowest Floor Elevation, machinery and equipment, and whether the building is with or without obstruction, Theory of Elevation Rating (IS-1102).
With a growing number of condominium developments throughout the US, particularly in states with a high-risk for flooding, insurance agents can expand their book of condominium business by writing coverage through the NFIP. Insuring Condominiums provides a broad overview of the different ways that condominiums can be insured through the NFIP. Short video segments guide insurance agents through the key elements they need to know to effectively write condominium exposures, Insuring Condominiums (IS-1108).
Insurance agents regularly view the NFIP as an outlet to write personal lines exposures for their clients, but they may not be aware of additional opportunities to cover their policyholders’ commercial exposures. Writing Commercial Exposures provides practical insights designed to assist agents with identifying, targeting, and writing commercial risks through the National Flood Insurance Program, Writing Commercial Exposures (IS-1110).
In an effort to minimize loss of human life and future flood damage as well as protect our nation’s natural resources, the Coastal Barrier Resources Act restricts development in the Coastal Barrier Resources System (CBRS) and Otherwise Protected Areas (OPAs) by prohibiting all federal expenditures and financial assistance, including flood insurance, for residential and commercial development in the identified areas. The Coastal Barrier Resources Act course takes insurance agents through identifying protected areas on the Flood Insurance Rate Map and reviews the significance of the CBRS designation date and the building’s date of construction or improvement. Understanding these important elements will assist agents in determining eligibility for flood insurance, Coastal Barrier Resources Act (IS-1113).
After severe flooding, local communities must assess a building’s damage to assure compliance with local floodplain management ordinance provisions. Before building repair or reconstruction is permitted, it may be necessary to require certain measures to reduce future flood damage. Increased Cost of Compliance (ICC) coverage is available under the NFIP Standard Flood Insurance Policy to assist policyholders with the cost to comply with these requirements. The Increased Cost of Compliance course provides an overview of ICC coverage and eligibility and takes the learner through the claims process to gain a better understanding of this important coverage benefit, Increased Cost of Compliance (IS-1100).
Do you know when the FEMA Elevation Certificate is required, optional, or not needed to rate NFIP flood insurance premiums? EC Made Easy: Elevation Certificate Overview will guide you through the purpose of the Elevation Certificate, aid you in locating a certifying professional, and provide details on properly completing and interpreting the Elevation Certificate. This course assists insurance agents and other professionals in learning the basics of the Elevation Certificate and identifying the impact flood risk has on flood insurance costs, EC Made Easy: Overview if the Elevation Certificate (IS-1105).
All NFIP stakeholders will benefit from this course, which provides a practical look at how changes to FEMA flood maps affect property owners, insurance agents, lending institutions, and others. FEMA Mapping Changes explores the impact of map changes through a series of self-guided interactive exercises designed to assist learners with navigating through mapping changes as they occur, FEMA Mapping Changes (IS-1106).
Upon successfully passing the course exam, you will receive a certificate of achievement noting CE earned through International Association for Continuing Education and Training (IACET). Each hour of instruction completed earns 0.1 CE units through IACET.
If you are taking a FEMA EMI Independent Study course in order to earn CE, be sure to confirm in advance that your professional board or other preferred accrediting entity will accept IACET CE. You can also check IACET's website for a list of entities that accept IACET CE. FEMA accepts IACET CE.
EMI Independent Study course exams require a FEMA Student Identification (SID) number. Register for a FEMA SID Number.