FEMA flood zone rules in Daly City, CA — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Parts of Daly City near the bay and low-lying areas are in FEMA flood zones requiring flood insurance for federally-backed mortgages. Construction in Special Flood Hazard Areas requires a floodplain development permit.
Daly City participates in the National Flood Insurance Program (NFIP). Properties in FEMA-designated Special Flood Hazard Areas (SFHA/Zone AE) require flood insurance for federally-backed mortgages. New construction in flood zones must meet FEMA Base Flood Elevation requirements and may require elevation certificates. Development in floodplains requires a floodplain development permit from the City's Engineering Division. Daly City's coastal proximity and some low-lying areas near Colma Creek are subject to flood risk. Check FEMA's Flood Map Service Center (msc.fema.gov) for property-specific flood zone status.
Construction below flood elevation: retroactive compliance required, fines $500 to $5,000. Floodway encroachment: removal order. Failure to maintain flood insurance: lender force-placement at higher cost.
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Side-by-side rule comparisons with other cities in San Mateo County.
See how other cities in San Mateo County handle flood zones.
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