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Who administers the National Flood Insurance Program (NFIP)?

The Department of Housing and Urban Development (HUD)

The Federal Emergency Management Agency (FEMA)

The Department of the Treasury

The U.S. Army Corps of Engineers

to track

2026 Statistics

Key Facts: ANFI Exam

ANFI Courses

Plus Ethics 311

Questions Per Exam

The Institutes

70%

Passing Score

Per course exam

$259-$339

Exam Fee

2026 virtual exam fee schedule

$250K / $100K

Residential Limits

NFIP building / contents

Apr 1, 2023

Risk Rating 2.0 Full Rollout

FEMA

ANFI is not a single licensing exam. It is a two-course professional designation plus ethics. ANFI 205 is 50 questions in 65 minutes; ANFI 206 is 50 questions in 120 minutes open-book. Both require a 70% passing score. Content reflects Risk Rating 2.0 (the NFIP pricing approach fully implemented April 1, 2023) — not legacy flood-zone rating. Congress reauthorized the NFIP through September 30, 2026.

Sample ANFI Practice Questions

Try these sample questions to test your ANFI exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Who administers the National Flood Insurance Program (NFIP)?

A.The Department of Housing and Urban Development (HUD)

B.The Federal Emergency Management Agency (FEMA)

C.The Department of the Treasury

D.The U.S. Army Corps of Engineers

Explanation: The NFIP is administered by FEMA, which is part of the Department of Homeland Security. FEMA sets program rules, issues the Flood Insurance Manual, and oversees Write-Your-Own (WYO) carriers.

2Which year was the National Flood Insurance Act passed, creating the NFIP?

A.1948

B.1968

C.1978

D.1994

Explanation: Congress passed the National Flood Insurance Act in 1968, establishing the NFIP to provide federally backed flood insurance in communities that adopt and enforce floodplain management ordinances.

3What is the maximum building coverage limit available under an NFIP Dwelling Form policy for a single-family residential building?

A.$100,000

B.$250,000

C.$350,000

D.$500,000

Explanation: The NFIP Dwelling Form caps building coverage at $250,000 for a single-family residential building. Personal contents coverage is separate and capped at $100,000.

4What is the maximum contents coverage limit under the NFIP Dwelling Form for a residential risk?

A.$50,000

B.$100,000

C.$250,000

D.$500,000

Explanation: The Dwelling Form provides up to $100,000 in personal contents coverage. Contents coverage must be purchased separately from building coverage under the SFIP.

5Under the NFIP General Property Form, what is the maximum building coverage limit for a non-residential commercial building?

A.$250,000

B.$500,000

C.$1,000,000

D.$1,500,000

Explanation: The General Property Form is used for non-residential buildings and caps building coverage at $500,000. Contents coverage is also capped at $500,000 under the same form.

6Which Standard Flood Insurance Policy (SFIP) form is used to insure a residential condominium association building?

A.Dwelling Form

B.General Property Form

C.Residential Condominium Building Association Policy (RCBAP)

D.Preferred Risk Policy

Explanation: The RCBAP is the SFIP form for residential condominium association-owned buildings. It covers the entire building on a replacement-cost basis up to $250,000 per unit times the number of units.

7Under the RCBAP, a 10-unit residential condominium building has a maximum building coverage available of:

A.$250,000

B.$500,000

C.$1,000,000

D.$2,500,000

Explanation: RCBAP building coverage is $250,000 per unit times the number of units. A 10-unit residential condominium can be insured for up to $2,500,000 in building coverage.

8How is a "Special Flood Hazard Area" (SFHA) defined on a Flood Insurance Rate Map (FIRM)?

A.An area with a 10-percent-annual-chance flood

B.An area with a 1-percent-annual-chance (base) flood

C.An area that has flooded at least once in the past five years

D.Any area within one mile of a coast, river, or lake

Explanation: An SFHA is the area subject to the base flood — the flood that has a 1-percent annual chance of being equaled or exceeded in any given year (the "100-year flood"). SFHAs include Zones A, AE, AO, AH, A1-A30, AR, V, and VE.

9Which flood zone designation indicates a coastal high-hazard area subject to wave action from storm surge?

A.Zone AE

B.Zone X

C.Zone VE

D.Zone D

Explanation: Zone VE is a Special Flood Hazard Area along the coast that is subject to storm-induced wave hazards (waves of three feet or greater). VE zones have a Base Flood Elevation published on the FIRM.

10What does "BFE" stand for on a Flood Insurance Rate Map?

A.Building Foundation Elevation

B.Base Flood Elevation

C.Basement Floor Elevation

D.Basic Floodplain Exposure

Explanation: BFE stands for Base Flood Elevation — the computed elevation (usually NAVD 88 feet above sea level) to which floodwaters are expected to rise during the base (1-percent-annual-chance) flood.

About the ANFI Exam

The Associate in National Flood Insurance (ANFI) is The Institutes' professional designation for producers, underwriters, claims staff, and WYO-company personnel who work with the National Flood Insurance Program. The pathway requires ANFI 205 Fundamentals, ANFI 206 Advanced Studies, and Ethics 311. All content is built on FEMA's October 2022 Flood Insurance Manual and Risk Rating 2.0 methodology.

Assessment

2-course designation path (ANFI 205 Fundamentals + ANFI 206 Advanced Studies) plus Ethics 311; each course has a separate virtual exam administered by The Institutes

Time Limit

65 minutes (ANFI 205) / 120 minutes open-book (ANFI 206)

Passing Score

70% per course exam

Exam Fee

$259 early registration / $339 standard per exam (The Institutes (on behalf of the NFIP / FEMA))

ANFI Exam Content Outline

55%

ANFI 205: National Flood Insurance Fundamentals

NFIP overview and FEMA administration, SFIP eligibility requirements, Dwelling/General Property/RCBAP forms, writing and binding policies, endorsements, renewal and cancellation, 30-day waiting period and exceptions, flood zones (A, AE, V, VE, X, D), SFHA and non-SFHA, pre-FIRM vs post-FIRM, elevation certificates and LOMA/LOMR, Coastal Barrier Resources System (CBRS), claims basics, and severe repetitive loss properties.

45%

ANFI 206: National Flood Insurance Advanced Studies

Advanced underwriting and rating for condominiums (RCBAP), timeshares, and commercial buildings; commercial building and contents coverages; occupancy and contents determination; flood openings and venting assessment; Risk Rating 2.0 rating variables (distance to flooding source, flood frequency, foundation type, lowest floor elevation, replacement cost value, prior claims); ICC coverage; CBRS implications for commercial risks.

How to Pass the ANFI Exam

What You Need to Know

Passing score: 70% per course exam
Assessment: 2-course designation path (ANFI 205 Fundamentals + ANFI 206 Advanced Studies) plus Ethics 311; each course has a separate virtual exam administered by The Institutes
Time limit: 65 minutes (ANFI 205) / 120 minutes open-book (ANFI 206)
Exam fee: $259 early registration / $339 standard per exam

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

ANFI Study Tips from Top Performers

1Memorize NFIP coverage limits cold: $250K/$100K residential, $500K/$500K commercial, $30K ICC. Exam questions frequently test whether a loss scenario exceeds program caps.

2Distinguish Risk Rating 2.0 from legacy zone-based rating. Under RR 2.0, premiums depend on distance to flooding source, flood frequency, foundation type, lowest floor elevation, and replacement cost — not the flood zone alone. Flood zones still drive mandatory purchase and floodplain management.

3Know the 30-day waiting period and its exceptions: no waiting period when coverage is purchased in connection with a loan closing, when a property is newly designated into an SFHA, or (in some cases) following a wildfire on federal land.

4For ANFI 206, practice locating key tables in the FEMA Flood Insurance Manual before test day. The exam is open-book, so speed navigating elevation rating tables, CBRS designations, and ICC provisions matters more than rote memorization.

5Master the difference between pre-FIRM and post-FIRM buildings, SFHA vs non-SFHA, and Zone A/AE vs Zone V/VE. These definitions drive eligibility, rating variables, and many exam scenarios.

Frequently Asked Questions

Is ANFI one exam or a full designation program?

ANFI is a professional designation, not a single licensing exam. The Institutes' ANFI pathway requires ANFI 205 (Fundamentals), ANFI 206 (Advanced Studies), and Ethics 311. Each course has its own timed virtual exam.

What is the ANFI exam format for 2026?

ANFI 205 is 50 multiple-choice questions in 65 minutes. ANFI 206 is 50 questions in 120 minutes and is open-book — you may reference the FEMA Flood Insurance Manual during the exam. Both exams require a 70% passing score and are delivered virtually in Institutes testing windows (Q1, Q2, Q3, Q4 each year).

How much does ANFI cost in 2026?

As of April 2026, The Institutes lists $259 for early registration and $339 standard registration per virtual course exam. Course materials (FEMA Flood Insurance Manual, educational outline, QuizMe mobile app, and practice exams) are included with course purchase. Total designation cost varies by package choice and registration timing.

Does ANFI use Risk Rating 2.0 or legacy flood-zone rating?

ANFI 206 is built around Risk Rating 2.0, the NFIP pricing approach fully implemented on April 1, 2023. Rates are calculated from property-specific variables — distance to a flooding source, flood frequency, foundation type, first-floor height relative to BFE, replacement cost value, and prior claims — rather than flood zones alone. Flood zones still matter for floodplain management and mandatory purchase determinations, but not for pricing.

What are the NFIP coverage limits covered on the ANFI exams?

Residential buildings under the Dwelling Form have a maximum building limit of $250,000 and contents limit of $100,000. Non-residential / commercial buildings under the General Property Form have a maximum of $500,000 building and $500,000 contents. Residential Condominium Building Association Policies (RCBAP) are $250,000 per unit times the number of units up to the program maximum. Increased Cost of Compliance (ICC) coverage provides up to $30,000 for substantially damaged or repetitively flooded buildings.

Were there any ANFI-specific 2026 exam changes?

As of April 2026, The Institutes had not published a new ANFI blueprint. Courses remain tied to FEMA's October 2022 Flood Insurance Manual. The NFIP itself has been reauthorized through September 30, 2026, and the FY 2026 WYO Financial Assistance/Subsidy Arrangement took effect October 1, 2025.