Flood Zones: Mission Viejo vs Santa Ana

How do I find out if my Mission Viejo property is in a FEMA flood zone?

Use the City's GIS system (search by address or APN, then view the FIRM panel) or the FEMA Map Service Center at msc.fema.gov. The City Engineering Counter at City Hall and the Mission Viejo Library also keep paper FIRMs available for review. For a written flood zone determination, contact the City Engineer at 949-470-3079.

Do I need flood insurance if I live near Aliso Creek or Oso Creek?

Federally backed mortgages on properties in mapped Special Flood Hazard Areas (Zones A, AE, AH, AO along the creek corridors) require flood insurance under federal law. Even outside the SFHA, the City recommends voluntary coverage because Mission Viejo's NFIP certification entitles residents to a discount on premiums, and homeowners insurance does not cover flood damage.

What does Mission Viejo require to build in a flood zone?

New construction and substantial improvements in mapped SFHAs must comply with FEMA minimum standards under 44 CFR 60.3 as adopted by City Ordinance 93-118: the lowest floor must be elevated to or above the Base Flood Elevation, structures must be properly anchored, and a stamped Elevation Certificate must be filed with the City before final inspection. New development in a regulatory floodway must show no rise in BFE.

How do I find out if my Santa Ana property is in a flood zone?

Check the FEMA Flood Map Service Center or contact the city's Public Works department. The Santa Ana River corridor and Santiago Creek areas are the primary flood risk zones.

What building requirements apply in Santa Ana flood zones?

Structures in Special Flood Hazard Areas must be elevated above Base Flood Elevation and comply with the city's floodplain management ordinance. A floodplain development permit is required.