Folsom vs Galt
How do flood zones rules compare between Folsom, CA and Galt, CA?
Folsom and Galt have similar restriction levels.
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 →Galt, CA
Sacramento County
Galt sits between the Cosumnes River and Laguna Creek in FEMA-mapped Sacramento County flood zones. Properties in Special Flood Hazard Areas require flood insurance for federally-backed mortgages and must build to local floodplain management standards.
View full Galt rules →Key Facts Comparison
| Fact | Folsom | Galt |
|---|---|---|
| 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 | Required for federal mortgages |
| FEMA Zones | - | Cosumnes River and Laguna Creek |
| Freeboard | - | 1 foot above BFE |
| Substantial Improvement | - | 50 percent of value trigger |
| Elevation Cert | - | Required in SFHA |
Highlighted rows indicate differences between cities.
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.
Galt FAQ
How do I know if my Galt property is in a flood zone?
Check the FEMA Flood Map Service Center by address or contact the Galt Building Division for a zone determination.
Can I remodel a home in the Cosumnes floodplain?
Yes, but if improvements exceed 50 percent of the structure value, the entire home must meet current elevation and flood-proofing standards.
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