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SITE NAVIGATION

Flood Insurance

Disclosure of the Flood Hazard

Flood Insurance

Disclosure of the Flood Hazard

As part of the common disclosures required by statute for real property transaction in the State of California, the seller or the seller’s agent must make appropriate disclosures regarding natural hazards.

One of the largest natural hazards in the Sacramento region is flooding, so it is important to provide current flood hazard information to potential buyers.

Two items that should be included on a disclosure in California are:

A Special Flood Hazard Area - (Any type Zone "A" or "V") designated by the Federal Emergency Management Agency.
Yes _____ No _____
An area of potential flooding - shown on a dam failure inundation map pursuant to Section 8589.5 of the Government Code.
Yes _____ No _____

Disclosure tips

Contact the floodplain hotlines for assistance in determining a property’s flood zone.

County of Sacramento hotline: 916-874-7517 County Hotline
City of Sacramento hotline: 916-808-5061
Flood zone maps

Ensure your third-party disclosure uses plain, easy to understand language and clearly states if the property is in a Special Flood Hazard Area.

If a property is in a Special Flood Hazard Area, the disclosure must state, “Flood insurance is required.”

Flood insurance tips

Flood insurance is mandatory for properties in Special Flood Hazard Areas.

A homeowner’s policy does not cover flood damage.

Low-cost Preferred Risk Policies are available.

Renters should protect contents with flood insurance.

Flood insurance information can be found at FloodSmart.gov.

Flips and major remodels

If structures in a flood hazard area are new or substantially improved or damaged, the structure must be elevated above the flood level during construction.

It is important to know these rules for A, AE, AO, and AH flood zones, as well as, the City’s local Magpie Creek floodplain.

Check with the local floodplain hotlines for more information on specific properties.

Is the property in a "Special Flood Hazard Area?"

Disclose if the property is located in a Zone A or Zone V as designated by the Federal Emergency Management Agency. (CAL. GOV’T § 8589.3)

Sacramento has the following Special Flood Hazard Areas:

A
AE
AH
AO
A99 (Natomas Basin)

You can check FEMA’s Flood Insurance Rate Maps for flood zone information.

Would the property be impacted by a dam failure?

Disclose potential flooding if the property is shown on a map as an area which will be inundated if a dam fails. (CAL. GOV’T § 8589.4)

The City and County of Sacramento has potential flooding if Folsom Dam or Nimbus Dam fail.

Contact us

You can contact the floodplain hotlines for flood zone information including information on local floodplains and repetitively flooded areas.

County of Sacramento 916-874-7517 or floodj@saccounty.net
City of Sacramento(916-808-5061 or floodinfo@cityofsacramento.org

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