Flood Zones: Clovis vs Selma
How do flood zones rules compare between Clovis, CA and Selma, CA?
Clovis has fewer restrictions than Selma.
Clovis, CA
Fresno County
Clovis participates in NFIP. Most of the city is Zone X (minimal risk); areas near Dry Creek and Dog Creek may be in Zone A/AE. Floodplain management per Clovis Municipal Code Title 9, Ch. 9.52.
View full Clovis rules →Selma, CA
Fresno County
Selma participates in the NFIP. New construction in flood zones must be elevated one foot above base flood elevation. Flood insurance required for federally backed mortgages.
View full Selma rules →Key Facts Comparison
| Fact | Clovis | Selma |
|---|---|---|
| NFIP | Participating community | - |
| Code | CMC Ch. 9.52 | - |
| Main Risk | Dry Creek, Dog Creek | - |
| Most of City | Zone X (minimal) | - |
| Elevation | At or above BFE | - |
| Minimum Elevation | - | 1 foot above base flood elevation |
| Substantial Improvement | - | 50% of pre-improvement value |
| Flood Insurance | - | Required in SFHA with federal mortgage |
| Permit Required | - | Floodplain development permit |
Highlighted rows indicate differences between cities.
Clovis FAQ
Do I need flood insurance in Clovis?
Only if your property is in FEMA Zone A or AE (typically near Dry Creek or Dog Creek). Most of Clovis is Zone X (minimal risk). Check the FEMA Map Service Center or your lender.
Can I build near Dry Creek?
Yes, but structures in the mapped floodway are restricted and new buildings in the SFHA must be elevated to Base Flood Elevation per CMC Ch. 9.52.
Selma FAQ
How do I find out if my Selma property is in a flood zone?
Check your property on the FEMA Flood Map Service Center at msc.fema.gov. You can search by address to view the current Flood Insurance Rate Map. The City of Selma Community Development Department can also help determine your flood zone designation.
Do I need flood insurance in Selma?
Flood insurance is required if your property is in a Special Flood Hazard Area and you have a federally backed mortgage. Even outside flood zones, flood insurance is recommended. Standard homeowner insurance does not cover flood damage.
Can I build in a flood zone in Selma?
Yes, but you must obtain a floodplain development permit and elevate the lowest floor at least one foot above the base flood elevation. An elevation certificate from a licensed surveyor is required to document compliance.
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