According to FEMA, 30 percent of flood claims are outside of a FEMA-mapped 100-year flood area. Remember, you do not have to live in a floodplain to qualify for flood insurance. Property owners can insure buildings and contents, and renters can insure their possessions. Contact your insurance agent for flood insurance information. If your property is located within a flood hazard area, we encourage you to buy flood insurance to protect yourself from flood losses. Protect Yourselfĭid you know it could take at least 30 days before flood insurance takes effect? Flooding is not covered by standard property insurance. In addition, they will be made available on this web page for the public to view and print. Upon completion, the final determinations will be mailed to property owners and tenants. The project is slated for completion in 2013. The project could potentially save Citrus Heights property owners $1 million per year (based on an average saving of $1600 per year). The goal of the project is to provide FEMA, property owners, and the city the necessary documentation to either remove the flood insurance requirement or lower the premium based on a preferred rate. Therefore, the city is currently in the process of completing the FEMA Letter of Map Amendments (LOMAs) and Elevation Certificates for Habitable Structures within the Base Flood Elevation Project. Through a GIS analysis, the city determined that in 80% of the parcels within a flood hazard zone, the habitable structure is actually located outside of the flood hazard zone. Letter of Map Amendments ProjectĪll parcels that touch the flood hazard zone may be required by lenders to carry flood insurance. The insurance industry heavily relies on the FIRMS published by FEMA to determine the need for a property owner to purchase flood insurance. In August 2012, the Federal Emergency Management Agency (FEMA) adopted new Flood Insurance Rate Maps (FIRMS) to better reflect the flood hazard based on GIS data. Flood Insuranceīased on a geographical information system (GIS) analysis, over 850 parcels with habitable structures in Citrus Heights are within a flood hazard zone. Please call General Services at 91 with any questions. Please see Municipal Cope Section 106.30.040 which defines limitations on development within a floodplain. Please be ready with the property address and your contact information.
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