Flood Zones: Camarillo vs Oxnard
How do flood zones rules compare between Camarillo, CA and Oxnard, CA?
Camarillo has fewer restrictions than Oxnard.
Camarillo, CA
Ventura County
Camarillo participates in the National Flood Insurance Program (NFIP). Properties in FEMA-designated Special Flood Hazard Areas (SFHAs) are subject to floodplain management regulations under CMC Title 16 and Title 20. New construction and substantial improvements in flood zones must meet elevation and construction standards.
View full Camarillo rules →Oxnard, CA
Ventura County
Parts of Oxnard lie within FEMA-designated flood zones due to proximity to the Santa Clara River, coastal areas, and the Oxnard Plain agricultural drainage. Flood insurance is required for properties in Special Flood Hazard Areas.
View full Oxnard rules →Key Facts Comparison
| Fact | Camarillo | Oxnard |
|---|---|---|
| Program | National Flood Insurance Program (NFIP) | - |
| Elevation Required | At or above BFE for new construction | - |
| Flood Insurance | Mandatory in SFHAs with mortgages | - |
| Primary Risk | Calleguas Creek and tributaries | - |
| FIRM Maps | Available from FEMA or city | - |
| NFIP Participant | - | Yes |
| Flood Zones | - | A and V zones present |
| Insurance Required | - | In Special Flood Hazard Areas with federal mortgage |
| CRS Participant | - | Yes, may reduce premiums |
| Key Areas | - | Santa Clara River, coastal, Oxnard Plain |
Highlighted rows indicate differences between cities.
Camarillo FAQ
Is my Camarillo property in a flood zone?
Check FEMA's Flood Insurance Rate Maps (FIRMs) at FEMA.gov or contact Community Development at (805) 388-5360. Properties near Calleguas Creek and its tributaries are most likely to be in Special Flood Hazard Areas.
Do I need flood insurance in Camarillo?
Flood insurance is mandatory for properties in SFHAs (AE, AH, AO zones) with federally backed mortgages. Even outside SFHAs, flood insurance is available and recommended. Standard homeowners insurance does not cover flood damage.
Can I build in a flood zone in Camarillo?
Yes, with additional requirements. New construction must elevate the lowest floor to or above the Base Flood Elevation, use flood-resistant materials, and obtain a floodplain development permit. An elevation certificate is required. Contact Community Development at (805) 388-5360.
Oxnard FAQ
Is my Oxnard property in a flood zone?
Parts of Oxnard are in FEMA flood zones, particularly near the Santa Clara River, coastal areas, and low-lying agricultural areas. Check FEMA's Flood Map Service Center or contact Oxnard Building and Engineering to determine your property's flood zone designation.
Do I need flood insurance in Oxnard?
Flood insurance is required for properties in Special Flood Hazard Areas with federally backed mortgages. Oxnard's CRS participation may qualify you for premium discounts.
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