Sacramento California Flood Insurance

Sacramento California Flood Insurance

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Sacramento is not only the capital of the great state of California, it is also a city steeped in history. Sutter’s Fort, Chinatown, and even the city’s name serve as reminders of the people and events that shaped Sacramento into what it has become today. Another reminder of Sacramento’s past includes the small remnant of the Sacramento Underground- a street raising project that was undertaken in response to the damaging floods that once frequently deluged the city.


Levees and other flood mitigation efforts have since reduced the risk of flooding in Sacramento, but it is still important for business and homeowners to understand that the potential remains for their properties to be affected by floodwaters. Properties north of the American River are most likely to be affected by floodwaters, and are designated as Special Flood Hazard Areas (SFHA) by the Federal Emergency Management Agency (FEMA). Properties located in these areas have a 1-in-4 chance of being affected by a flood at least once during a thirty-year period.

Is Your Sacramento Property at Risk for Flooding?
  • Do you live immediately adjacent to the American or Sacramento rivers?
  • Do you within ten blocks of a levee?
  • Do you live within ten blocks of the canal?


While properties immediately adjacent and north of the American River are classified as

Special Flood Hazard Areas, nearly all properties in Sacramento are at risk for flooding and

should be protected by flood insurance policies.

Property owners with investments located near levees may feel a certain sense of security, believing that they are protected from high waters by these structures. However, FEMA flood maps indicate that while the levees may protect against the 1-percent annual chance for flood risk (the criteria for SFHA status), there is still a risk for flooding if the levee were to fail or be overtopped by floodwaters.

Flood insurance coverage is required for properties located in SFHAs, and strongly recommended for all other properties. The cost for flood-related damage is often staggering, and in an area such as Sacramento, could quickly add up to hundreds of millions of dollars or more. Most standard home and business insurance policies do not cover damages related to naturally occurring flood waters; a fact that is often discovered after the flood has happened. Taking proactive steps and purchasing a flood insurance policy sooner rather than later protects a property owner’s investment by ensuring that they would have the financial means to recover from flood damages.

For property owners looking to purchase flood insurance in Sacramento, California, there are several options to consider. The first is to purchase a policy through the National Flood Insurance Program (NFIP). The NFIP is a government-backed program and is available for purchase through local, regional, and national insurance agencies. A second option is to purchase a policy through the National Catastrophe Flood Insurance Program (NCIP). The NCIP is underwritten by private insurers and is available in a select number of areas in the United States, including California. Interested property owners should consult with a local insurance agent to discuss which policy options best fit their needs.

Property owners have two solid options for purchasing flood insurance in the city of Sacramento, California. Taking the steps needed to obtain coverage now will provide financial protection against the cost of flood damages and will provide peace of mind for the future. Contact us now for more information about the Sacramento California flood insurance.

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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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Taking 2 minutes to complete the quote form may help you to save hundreds! Upon receipt we will provide a quote to you within 2 hours of your request.

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