Flood Zones: Florin vs Folsom
How do flood zones rules compare between Florin, CA and Folsom, CA?
Florin and Folsom have similar restriction levels.
Florin, CA
Sacramento County
Large portions of Sacramento County lie within FEMA Special Flood Hazard Areas including Natomas, the Pocket, Delta communities, and areas along the American and Sacramento Rivers. SAFCA manages regional levee improvements. CA SB 5 requires 200-year flood protection for urban development in Central Valley. County Code Chapter 27.10 is the Floodplain Management Ordinance.
View full Florin rules →Folsom, CA
Sacramento County
Folsom has FEMA-designated flood zones along the American River, Willow Creek, Humbug Creek, and the Folsom Dam spillway inundation area. Folsom participates in the NFIP. New construction in Special Flood Hazard Areas must be elevated per FMC Title 16.
View full Folsom rules →Key Facts Comparison
| Fact | Florin | Folsom |
|---|---|---|
| SFHAs | Natomas, Pocket, Delta, riverfront | - |
| Code | Chapter 27.10 | - |
| Freeboard | BFE + 1 ft | - |
| State Law | SB 5 200-year standard | - |
| Agency | SAFCA regional levees | - |
| Program | - | NFIP participant |
| Ordinance | - | FMC Title 16 |
| Key waterways | - | American River, Willow/Alder/Humbug Creeks |
| Dam spillway | - | Auxiliary inundation mapped |
| Insurance | - | Required in Zone AE |
Highlighted rows indicate differences between cities.
Florin FAQ
Is my home in a flood zone?
Check the FEMA Flood Map Service Center by address or the Sacramento County Floodplain Management viewer. Much of Natomas, the Pocket, and Delta areas are in Zone AE.
Do I need flood insurance?
If you have a federally-backed mortgage and your home is in an SFHA, flood insurance is federally required. Even outside SFHAs, flood insurance is often recommended given regional risk.
Folsom FAQ
Is my Folsom home in a flood zone?
Check the FEMA Flood Map Service Center at msc.fema.gov using your address. Properties near the American River, the three named creeks, and within the Folsom Dam spillway inundation boundary are most likely to be in Zone A or AE.
Does Folsom Dam make my home safer?
The 2017 auxiliary spillway and raised main dam increased flood capacity. However, FEMA still maps downstream Zone AE for extreme events. Flood insurance and elevation rules still apply in mapped zones.
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