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Course Overview and Learning Objectives

Welcome and Course Goals

Flood Insurance Fundamentals

Complete Guide to NFIP Coverage and Options

Flood Insurance Requirements Guide

FEMA Flood Zones Guide

Understanding minimum coverage requirements for one- to four-unit properties

Project Development Requirements

Deductible Requirements Overview

Flood Insurance Policy Review Guide

Flood Insurance Coverage Calculator

Flood Insurance Requirements for Second Lien Mortgage Loans

Flood insurance requirements on specific structures

Flood Insurance Review Checklist

Servicer Responsibilities

Servicer Responsibilities Related to Flood Insurance

Course Wrap-Up and Feedback

Capstone Review and Resources

Learner Feedback Survey

Designing and Optimizing Flood Insurance Programs Across NFIP and Private Markets is a practitioner-focused course that teaches you how to build smarter, more resilient flood insurance programs. From hydrology and mapping fundamentals to policy architecture and market design, you’ll learn to compare NFIP and private options, interpret coverage mechanics, and engineer layered solutions that reduce total cost of risk. We translate FEMA FIRMs, Risk Rating 2.0 drivers, and elevation data into underwriting insights, then connect them to forms, exclusions, deductibles, endorsements, and lender requirements. You’ll examine private market structures, admitted vs. surplus lines considerations, and compliance with “at least as broad as NFIP” standards while unlocking broader coverages such as ALE, basement improvements, and business interruption. Through side-by-side comparisons, case studies, and knowledge checks, you’ll develop a repeatable framework to advise clients, coordinate claims across layers, and avoid gaps or duplicate coverage. Ideal for producers, underwriters, risk managers, and lenders, this course equips you with the technical fluency and practical tools to design flood programs for condos, small businesses, mixed-use, and high-value homes. By the end, you’ll confidently align price, protection, and compliance—optimizing coverage quality and risk volatility in real-world placements.

Flood Insurance

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            <p>Designing and Optimizing Flood Insurance Programs Across NFIP and Private Markets equips insurance professionals, underwriters, brokers, risk managers, and lenders to design, compare, and optimize flood programs across the public NFIP and private market offerings. You will build a practical foundation in flood risk science—hydrology, mapping, and segmentation—then translate those drivers into eligibility, pricing, and coverage architecture. From FEMA Flood Insurance Rate Maps, Flood Insurance Studies, and Base Flood Elevations to Risk Rating 2.0 variables like distance to water, first-floor height, foundation type, and replacement cost, the course connects technical risk indicators to real-world underwriting and program design decisions. You will also learn how private market models incorporate hazard, exposure, and vulnerability, and how tools such as elevation certificates and Letters of Map Amendment/Revision affect rating, requirements, and client strategy.</p>

<p>The course then dives into the mechanics of policy forms and coverage across both worlds. On the NFIP side, we unpack when to use the Dwelling Form, General Property Form, and RCBAP; how Coverage A (Building) and Coverage B (Personal Property) work; what valuations apply (replacement cost vs. actual cash value); and where exclusions, limitations, deductibles, ICC, waiting periods, cancellations, and key endorsements come into play. In the private market, we examine broader coverage opportunities such as additional living expense, basement improvements, pool equipment, and business interruption; different occurrence definitions and conditions; deductible structures (including percentage and parametric features); and customization via excess, DIC, ordinance or law, and waiting period adjustments. You will also understand lender acceptance, admitted vs. surplus lines considerations, and “at least as broad as NFIP” standards.</p>

<p>With this foundation, you will practice a side-by-side comparison framework to optimize total cost of risk—layering NFIP with private excess, using deductible buy-downs, and adding parametric complements to reduce volatility. Special occupancies and structures are addressed in depth, including condos (unit owner vs. RCBAP), small businesses, mixed-use properties, and high-value homes. You will learn to coordinate claims and proof-of-loss processes across layers, avoid gaps and duplication, and meet regulatory and lender requirements such as mandatory purchase rules, escrow, and documentation. Throughout, knowledge checks reinforce key concepts, and a capstone review provides checklists and a resource pack (FEMA manuals, NFIP producer guides, private specimen policies, and mapping tools) so you can apply the material immediately in client recommendations and program build-outs.</p>
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