10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
The ANFI exam has 50 questions and runs 1 hours 5 minutes.
These 10 free ANFI questions are organized by exam domain, so you can see how each part of the Associate in National Flood Insurance blueprint is tested. Reveal the answer and explanation under each question.
Flash runoff from a cloudburst inundates an insured home and the separately owned property next door. The total flooded area is only 0.8 acre. The homeowner has active NFIP building coverage. Does this event meet the SFIP's general-inundation requirement?
Correct answer: C - Yes; two properties were inundated, and one of them is the insured property.
A federally regulated lender is making a loan secured by a single-family dwelling in Zone AE in a participating Regular Program community. The outstanding principal will be $225,000. The building's insurable value is $190,000; the land-inclusive purchase price is $340,000. No statutory exemption applies, and the lender requires only the federal minimum. What flood-insurance amount is required?
Correct answer: B - $190,000
At a qualifying mortgage closing, an NFIP Dwelling Form policy takes effect immediately because all requirements for the loan-transaction waiting-period exception have been met. A river had already overflowed into the neighborhood the previous day. That same continuous flood first reaches the insured house several hours after closing. How does the SFIP treat the resulting damage?
Correct answer: D - Excluded; the same flood was already in progress before coverage began, despite the loan-closing exception.
An insurer discovers that the premium collected at the start of an NFIP Dwelling Form policy bought less building coverage than the owner requested. It bills the additional premium needed for the originally requested limit. A covered flood occurs seven days after the bill date, and the owner pays the full billed amount on day 18. The policy has not been endorsed since inception. Which building limit applies to that loss?
Correct answer: D - The requested limit, restored retroactively to the start of the policy term.
An NFIP Dwelling Form policy expires on August 1. A qualifying flood damages the home on August 12, and the insurer receives the full, unchanged renewal premium on August 20. The insurer sent the renewal notice correctly, and no special deadline extension applies. What is the effect of the payment on the August 12 loss?
Correct answer: D - The renewal is continuous from August 1, so the loss falls within the renewed term.
Floodwater containing sewage has receded from a home. Authorities have cleared the building for entry, and a qualified cleanup contractor identifies contaminated carpet as a health hazard requiring prompt removal. The homeowner has reported the NFIP claim and can photograph and inventory the carpet, but the adjuster cannot visit for six days. What should the agent recommend now?
Correct answer: A - Photograph and inventory the damage, remove the hazard safely, and keep disposal receipts.
During a restaurant's flood claim, the insured calls its lower level a 'garden kitchen.' The floor is below ground level on all sides, although an exterior stairwell leads to a door. The restaurant owns the listed property and carries General Property building and contents coverage. All appliances are connected for normal use. Which flood-damaged item is eligible under the restricted basement personal-property coverage?
Correct answer: A - A non-walk-in food freezer used to store frozen meals.
The applicant is the association of a four-unit, entirely residential condominium timeshare in an NFIP Regular Program community. Each physical unit is divided into 52 weekly ownership interests. The association is buying coverage for the entire building, not for owners' belongings. Which underwriting treatment applies?
Correct answer: B - RCBAP, with the maximum building limit based on four physical units.
A single enclosure beneath an elevated commercial building covers 800 square feet. Three certified engineered flood openings have a combined rated capacity of 900 square feet and a combined net open area of 180 square inches. They are on different walls, operate automatically, and have bottoms 8 inches above the higher of the interior floor or exterior grade. Installation matches the certification. On these facts, how should the openings be evaluated?
Correct answer: C - The certified capacity is sufficient for the enclosure, and installation meets the stated conditions.
After a covered flood, a furniture retailer submits three losses under its NFIP General Property policy: damage to its owned stock, lost sales during repairs, and rent for temporary trading premises. The stock was inside a fully enclosed, above-grade showroom, not below an elevated floor. The policy includes business personal-property coverage. Which statement accurately separates the insured exposure from the uninsured exposures?
Correct answer: B - Stock damage may be covered; lost sales and temporary-premises rent are not SFIP benefits.
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