Flood Zone FAQs
What Flood Zone am I in?
If you wish to make a determination for yourself, the Engineering Division makes the flood hazard maps available to the public for viewing, or go directly to: FEMA Flood Map Service Center for flood zone designation.
How is floodplain management related to insurance?
A community’s agreement to adopt and enforce floodplain management ordinances, particularly with respect to new construction, is an important element in making flood insurance available to home and business owners. Currently, more than 20,000 communities voluntarily adopt and enforce local floodplain management ordinances that provide flood loss reduction building standards for new and existing development.
How is the Federal Government involved?
The Federal Insurance and Mitigation Administration (FIMA), a component of the Federal Emergency Management Agency (FEMA) , manages the National Flood Insurance Program (NFIP). The three components of NFIP are:
- Flood Insurance
- Floodplain Management
- Flood Hazard Mapping
Is the City of Rocklin part of NFIP?
The City of Rocklin participates in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage. City of Rocklin Municipal Code Section 15.16 Flood Hazard Areas addresses floodplain management. In exchange for this voluntary participation, the NFIP makes federally-backed flood insurance available to homeowners, renters, and business owners in our community.
What are the benefits of floodplain management?
Flood insurance is designed to provide an alternative to disaster assistance to reduce the escalating costs of repairing damage to buildings and their contents caused by floods. Flood damage is reduced by nearly $1 billion a year through communities implementing sound floodplain management requirements and property owners purchasing flood insurance. Additionally, buildings constructed in compliance with NFIP building standards suffer approximately 80% less damage annually than those not built in compliance. Finally, every $3 paid in flood insurance claims saves $1 in disaster assistance payments.
In addition to providing flood insurance and reducing flood damages through floodplain management regulations, the NFIP identifies and maps the nation’s floodplains. Mapping flood hazards creates broad-based awareness of these hazards and provides the data needed for floodplain management programs and for actuarially rating new construction for flood insurance.
Elevation Certificates | who needs them and why
If your home or business is in a high-risk area, your insurance agent will likely need an Elevation Certificate to determine your flood insurance premium.
Floods mean rising water. Knowing your building’s elevation compared to the estimated height of floodwater helps determine your flood risk and the cost of your flood insurance.
An Elevation Certificate documents the elevation of your building for the floodplain managers enforcing local building ordinances and for insurance rating purposes.
Additional information can be found on FEMA’s website