Sacramento, CA Home InsuranceHome insurance in Sacramento, CA
Part of Sacramento sits behind a flood control system that isn't finished yet. Here's what that means for your policy.
Flood risk in Sacramento
Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.
FEMA's current mapping for the Sacramento area shows Zone AE, Zone A99, Zone A alongside Zone X, which is the lower-risk designation.
Part of Sacramento sits in Zone A99. That is land protected by a flood control system that is not yet finished. It is treated differently from ordinary high-risk land, and the treatment changes when the system is completed and certified — so a property here can see its flood position change without the property changing at all.
Sacramento is in FEMA's Community Rating System at Class 4, which earns residents 30% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.
Source: FEMA National Flood Hazard Layer; NFIP community 060266.