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The City of Sacramento has adopted building codes and procedures designed to protect lives and property in the event of a 100-year flood.  Specific floodplain management regulations and building codes are enforced to regulate construction in at-risk areas throughout the city.

200-year floodplain requirements will be in effect July 2, 2016.


The chart below highlights the elevation and hold harmless requirements for each flood zone. Below you will also find definitions of important terms.

Flood Requirements

Flood Zone Building Requirements (PDF)

Helpful links

FEMA Floodproofing Certificate

Hold Harmless Agreement Regarding the Risk of Flooding to Real Property

Property Protection Methods

There are grant monies available to help elevate your home.  For further information on property protection methods please visit the County's Storm Ready page. You can also contact the City’s flood information hotline at (916) 808-5061, or email us at, for information on potential grants or clarification of substantial damage/improvement rules.


“Base flood” means a flood that has a one percent chance of being equaled or exceeded in any given year (also called the “100-year flood”).

“Base flood elevation” or “BFE” means the water surface elevation resulting from the base flood.

“No Adverse Impact” means that the proposed construction or development (including substantial improvements) shall not result in any increase in flood levels during the occurrence of the base flood; provided that for construction or development located within a special flood hazard area but outside of any floodway designated on any FIRM, the local administrator may waive this requirement for specified encroachments if the local administrator determines that any increase in flood levels resulting from such encroachments will be negligible.

“New construction” means structures for which the “start of construction” commenced on or after February 23, 1982, and includes any subsequent improvements to such structures. 

“Substantial damage” means:

  1. Damage of any origin sustained by a structure whereby the cost of restoring the structure to its before-damaged condition would equal or exceed fifty (50) percent of the market value of the structure before the damage occurred; or

  2. Flood-related damage sustained by a structure on two separate occasions during a ten (10) year period for which the cost of repairs at the time of each such event, on the average, equals or exceeds twenty-five (25) percent of the market value of the structure before the damage occurred. This is also known as “repetitive loss.”

“Substantial improvement” means any repair, reconstruction, or improvement of a structure, whether requiring one or multiple permits, the cost of which equals or exceeds fifty (50) percent of the market value of the structure either:

  1. Before the start of construction of the substantial improvement; or

  2. If the structure has been damaged, and is being restored, before the damage occurred.

The term “substantial improvement” does not, however, include either:

  1. Any project for improvement of a structure to correct violations of existing state or local health, sanitary, or safety code specifications which are the minimum necessary to assure safe living conditions; or

  2. Any alteration of an historic structure, provided that the alteration will not preclude the structure’s continued designation as an historic structure.

Full text of the City’s Floodplain Management Requirements