Michael Lee, Director
915 8th Street, Suite 125, Marysville, CA 95901
Phone: (530)749-5420 Fax: (530)749-5424
Flood zones are geographic areas that the FEMA has defined according to varying levels of flood risk.
These zones are depicted on a community's Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map.
Each zone reflects the severity or type of flooding in the area.
In communities that participate in the NFIP, flood insurance is available to all property owners and renters in these zones:
|Moderate to Low Risk|
| B, C, and X
||Areas outside the 1-percent annual chance floodplain, areas of 1% annual chance sheet flow flooding where average depths are less than 1 foot, areas of 1% annual chance stream flooding where the contributing drainage area is less than 1 square mile, or areas protected from the 1% annual chance flood by levees. No Base Flood Elevations or depths are shown within this zone. Insurance purchase is not required in these zones.|
|High Risk Areas|
|A||Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30-year mortgage. Because detailed analyses are not performed for such areas; no depths or base flood elevations are shown within these zones.|
|AE, A1-A30||Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30-year mortgage. In most instances, base flood elevations derived from detailed analyses are shown at selected intervals within these zones.|
|AH||Areas with a 1% annual chance of shallow flooding, usually in the form of a pond, with an average depth ranging from 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30-year mortgage. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.|
|AO||River or stream flood hazard areas, and areas with a 1% or greater chance of shallow flooding each year, usually in the form of sheet flow, with an average depth ranging from 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30-year mortgage. Average flood depths derived from detailed analyses are shown within these zones.|
|AR||Areas with a temporarily increased flood risk due to the building or restoration of a flood control system (such as a levee or a dam). Mandatory flood insurance purchase requirements will apply, but rates will not exceed the rates for unnumbered A zones if the structure is built or restored in compliance with Zone AR floodplain management regulations.|
|A99||Areas with a 1% annual chance of flooding that will be protected by a Federal flood control system where construction has reached specified legal requirements. No depths or base flood elevations are shown within these zones.|
|Undetermined Risk Areas|
|D||Areas with possible but undetermined flood hazards. No flood hazard analysis has been conducted. Flood insurance rates are commensurate with the uncertainty of the flood risk.|
Frequently asked Questions
Do I need Flood Insurance? Flood Insurance Information The County recommends contacting your flood insurance provider to get their requirements.
Will I need an elevation certificate to build on my property? In Flood Zone "B", "C" & "X" an elevation certificate is not required.
The new map shows that my parcel is in Flood Zone "B", will I still need an elevation certificate and flood insurance? The County does not require an elevation certificate in Flood Zone "B", your insurance provider will determine if they require flood insurance.