Flood Insurance

Placer County participates in the NFIP, thereby providing homeowners, renters, and business owners in our community with access to federally-backed flood insurance. By implementing floodplain management activities, residents of Placer County’s unincorporated areas qualify for a flood insurance premium rate reductions. If your property is located within one of the County’s incorporated cities, you should contact that jurisdiction for information on their participation in the NFIP.

Homeowner's insurance policies do not cover damage from floods. You should consider obtaining flood insurance, even if it hasn’t been required by your mortgage lender. Because Placer County participates in the National Flood Insurance Program, you can purchase a separate flood insurance policy. Don’t wait for the next flood to buy insurance protection. There is a 30 day waiting period before National Flood Insurance coverage takes effect. Contact your insurance agent for more information on rates and coverage.


Federal Law requires that a Flood Insurance Policy be obtained as a condition of a federally backed mortgage or loan that is secured by the structure. It is up to the lender to determine whether flood insurance is required for a property. If you have learned that you are required to obtain flood insurance, or if you are not sure if your property is located in a FEMA-designated Special Flood Hazard Area, you may request a written determination. You may complete the "Flood Zone Information Request Form (PDF) " and submit it to the Placer County Floodplain Manager, as instructed on the form.

Additional Information

For more information on flood insurance please call NFIP assistance at 877-336-2627.

Information regarding the National Flood Insurance Program, is available though the Federal Emergency Management Agency (FEMA) and local governments participating in that program.

To learn more about the National Flood Insurance Program (NFIP), visit the Floodsmart website.

A Unified National Program for Floodplain Management (FEMA-248): https://data.globalchange.gov/report/fema248-1994

National Flood Insurance Program, Code 44 of Federal Regulations: https://www.govinfo.gov/content/pkg/CFR-2011-title44-vol1/pdf/CFR-2011-title44-vol1.pdf