FEMA flood zone rules in Camarillo, CA — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
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.
Camarillo's floodplain management regulations implement FEMA requirements for properties in Special Flood Hazard Areas (AE, AH, AO zones). CMC Title 16 and Title 20 (Development Control) require that new construction and substantial improvements in SFHAs have the lowest floor elevated to or above the Base Flood Elevation (BFE) plus any required freeboard. Flood-resistant materials must be used below the BFE. Enclosures below the BFE must be designed for flood water entry and exit. Development permits in flood zones require additional review including hydraulic analysis to ensure no increase in flood levels. Flood insurance is mandatory for properties in SFHAs with federally backed mortgages. FEMA Flood Insurance Rate Maps (FIRMs) identify flood zones within the city. Calleguas Creek and its tributaries present the primary flood risk in Camarillo. The Ventura County Watershed Protection District manages regional flood control facilities. Elevation certificates are required for properties in flood zones during construction and real estate transactions.
Construction in flood zones without proper permits and elevation certificates violates CMC Title 16 and FEMA regulations. Non-compliant structures may be ineligible for flood insurance. Contact Community Development at (805) 388-5360 for floodplain development permits.
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Side-by-side rule comparisons with other cities in Ventura County.
See how other cities in Ventura County handle flood zones.
See how Camarillo's flood zones rules stack up against other locations.
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