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Flood Insurance Rate Maps
As a public service, the City of Yuba City will provide you with the following information upon request:
- Whether a property is in or out of the Flood Hazard Area (FHA) as shown on the current Flood Insurance Rate Map (FIRM) of the City/County.
- Additional flood insurance data for a site, such as the FIRM zone and the base flood elevation or depth, if shown on the FIRM.
- A handout on the flood insurance purchase requirement that can help people who need a mortgage or loan for a property in the SFHA.
- The City of Yuba City will maintain elevation certificates for review. Sutter County has elevation certificates for review for parcels within the County.
- The City of Yuba City updates the Flood Insurance Rate Maps as needed when revisions are made to the maps.
If you would like to make an inquiry, please tell us the street address and, if available, the subdivision, lot, and block number. We are open 8:00 a.m. to 5:00 p.m., Monday through Friday. Call the Public Works Department at (530) 822-4626 or drop by at 1201 Civic Center Blvd. There is no charge for this service.
View Current FIRMS Online
The City now has posted the current Flood Insurance Rate Maps online for your convenience. The maps below are for the Yuba City area but do not show all properties currently in the City.
Community
Panel Number |
Effective Date |
Description |
Download |
| 060396 0005 B |
March 23, 1984 |
City of Yuba City (1984) |
 View |
| 060394 0085 B |
April 5, 1988 |
North Yuba City |
View |
| 060394 0090 B |
April 5, 1988 |
West Yuba City |
View |
| 060394 0095 B |
April 5, 1988 |
South Yuba City |
View |
Flood Insurance Rate Map Zone Definitions
Flood zones are geographic areas that the FEMA has defined according to varying levels of flood risk.
These zones are depicted on our community's Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map. Each zone reflects the severity or type of flooding in the area.
| ZONE |
DESCRIPTION |
| 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 In communities that participate in the NFIP, mandatory flood insurance purchase requirements apply to all of these zones:
| ZONE |
DESCRIPTION |
| 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
| ZONE |
DESCRIPTION |
| 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. |
FEMA Map Modernization
Yuba City and Sutter County is subject to the FEMA Map Modernization process which has already affected some areas of the County. Map Modernization is responding to National Flood Insurance Program (NFIP) requirements and feedback provided by Federal, State, and local Program stakeholders. The updates to the Flood Insurance Rate Maps are needed because:
- Flood hazard conditions are dynamic, and many FIRMs may not reflect recent development and/or natural changes in the environment.
- Updated FIRMs can take advantage of revised data and improved technologies for identifying flood hazards.
- Up-to-date maps support a flood insurance program that is more closely aligned with actual risk, encourage wise community-based floodplain management, and improve citizens’ flood hazard awareness.
- Local communities and various stakeholders desired more timely updates of flood maps and easier access to the flood hazard data used to create the maps.
- Map Modernization is a cornerstone for helping community officials and citizens be better prepared for flood-related disasters.
Grandfathering
During the Map Modernization process, the City of Yuba City’s Flood Insurance Rate Maps (FIRM) will be revised and republished.
The implementation of the new FIRM raises the question -- HOW DOES THE NEW MAP AFFECT FLOOD INSURANCE RATES?
To recognize policyholders who have remained loyal customers of the NFIP by maintaining continuous coverage and/or who have built in compliance with the FIRM, the Federal Insurance and Mitigation Administration has "Grandfather rules" to allow such policyholders to benefit in the rating for that building.
For more information on exactly how you may benefit from “Grandfathering” your policy, download FEMA’s Grandfather Rules.
Pre-FIRM vs. Post-FIRM
Each community has their own Pre-Firm and Post-Firm date which can have impacts on eligibility for different flood insurance rates.
Pre-FIRM buildings are those built before the effective date of the first Flood Insurance Rate Map (FIRM) for a community. This means they were built before detailed flood hazard data and flood elevations were provided to the community and usually before the community enacted comprehensive regulations on floodplain regulation. Pre-FIRM buildings can be insured using "subsidized" rates. These rates are designed to help people afford flood insurance even though their buildings were not built with flood protection in mind.
Post-FIRM buildings are new construction and those built after the effective date of the first Flood Insurance Rate Map (FIRM) for a community. Insurance rates for Post-FIRM buildings are dependent on the elevation of the lowest floor in relation to the Base Flood Elevation (BFE).
File(s) require free Adobe Acrobat Reader.
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