Flood Insurance


Placer County participates in the National Flood Insurance Program, 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 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.

****Learn more about how our county can support you: https://www.placer.ca.gov/1504/Flood-Insurance****

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.


Flooding can be an emotionally and financially devastating event. With flood insurance, you're able to recover faster and more fully. Use the FEMA flood calculator to see how much flood damage – even from just a few inches of water – could cost you: https://www.floodsmart.gov/flood-insurance-cost/calculator flood calculator