Flood Insurance

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Due to new, stricter standards imposed by the state and federal government, the Federal Emergency Management Agency (FEMA) is in the process of re-evaluating current maps, which show the level of protection provided by all existing risk-reduction systems in the country. The City of West Sacramento is proactively working with FEMA and Congress to establish appropriate flood zone designation policies. We will continue to provide you with updates as this process continues.

In addition to protecting the safety of residents and property, our goal is to complete as much levee work as possible before FEMA begins its re-mapping of West Sacramento. All property owners in the City could be affected when FEMA completes its flood zone re-mapping of West Sacramento. FEMA is moving toward a new flood zone designation for West Sacramento and is expected to occur within the next two or three years.

Most of West Sacramento is currently designated Flood Zone X. In Flood Zone X there is not a statutory requirement for flood insurance. Also, new construction and expansion of existing structures are allowed in Flood Zone X without being subject to onerous elevation and flood-proofing requirements.

While there are no guarantees, WSAFCA officials believe that FEMA will eventually change West Sacramento's flood zone designations from Flood Zone X to something called a Special Flood Hazard Area. That would require property owners to obtain flood insurance. It could also require new construction and major renovations to be elevated and flood-proofed, severly limiting private property enhancement and greatly diminishing West Sacramento's economic development.

The City of West Sacramento participates in FEMA's National Flood Insurance Program (NFIP). This allows residents and property owners in the city to purchase federally-subsidized flood insurance. Currently, Flood insurance is not mandatory, but West Sacramento strongly recommends that all property owners purchase and maintain flood insurance at all times. Flooding is NOT covered under your home or business owner's insurance policy, a flood insurance policy must be purchased separately. Typically, there is a 30-day waiting period from the date of purchase before your policy goes into effect.

Remember - high water in the river isn't the only cause of flooding. Just a few inches of water from a rainstorm or a broken water main can cause thousands of dollars of damage.

Read More About FEMA's Re-Mapping and Flood Designations

For more information on the National Flood Insurance Program, visit Floodsmart.gov or view information about living near a levee view information about living near a levee.

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