FEMA flood insurance requirements to change for some residents

Updated July 30, 2018
Some Roseville residents can look forward to lower flood insurance premiums as the Federal Emergency Management Agency (FEMA) prepares to issue new flood maps for the Placer County region. But in a number of areas, including some mapped for the first time ever, flood risk has increased and will change flood insurance requirements and costs for some property owners.

FEMA’s flood insurance rate maps identify where flooding is likely to occur in the areas studied (along major creeks and rivers), and establish flood insurance premium rates and whether flood insurance is mandatory for properties with federally-backed mortgages.

The new maps are complete and will become effective Friday, November 2. Residents whose properties may be affected by map changes were notified by mail mid-July as well as in June 2016. FEMA’s last mapping update in the county was in 2001. 

In addition to using the resources listed below, residents wanting to learn more about the new flood maps may attend a public meeting hosted by the City of Roseville and Placer County at the Maidu Community Center in Roseville on August 7, 5:30 - 7:30 p.m. FEMA, City and County representatives will be on hand to talk with property owners about flood map changes, impacts, and how to obtain flood insurance.

Flood insurance is less expensive if purchased prior to the effective date. Plan ahead, new insurance policies take time before becoming active.

The updated flooplain maps cover the entire county, including the City of Roseville. Over time, water flow and drainage patterns change, so the new maps more accurately reflect the flood risk. 

Roseville's flood protection investment

Roseville has earned high ratings in FEMA’s Community Rating System, which offers discounted rates under the National Flood Insurance Program to communities that reduce flood risk through smart flood plain management and public outreach and education. 

Because of Roseville’s $32 million investment in flood protection, it remains the nation’s only community to achieve the highest Class 1 rating. This means Roseville property owners in high risk zones receive up to a 45 percent discount on flood insurance. 

View your property using interactive floodplain maps

View an interactive, searchable floodplain map. The maps are also available for review on FEMA’s website

Community meeting

Tuesday, August 7
5:30-7:30 p.m.
Maidu Community Center
1550 Maidu Drive, Roseville, CA 95661

More Information

For flood insurance information, or to find an insurance agent certified to sell FEMA National Flood Insurance Program-backed flood insurance, visit floodsmart.gov.

For one-on-one flood map assistance for properties in the City of Roseville, contact Brian Walker at (916) 746-1300 or email engineering@roseville.ca.us.

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