FEMA flood zone rules in Folsom, CA — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
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.
The Federal Emergency Management Agency (FEMA) publishes Flood Insurance Rate Maps (FIRMs) for Folsom showing Special Flood Hazard Areas (SFHAs) — Zones A, AE, and X. Significant flood risk areas include the American River corridor downstream of Folsom Dam, Willow Creek, Alder Creek, Humbug Creek, and the dam auxiliary spillway inundation area that was expanded after the 2017 auxiliary spillway commissioning. Folsom participates in the National Flood Insurance Program (NFIP) and enforces FMC Title 16 (Flood Damage Prevention Ordinance) requiring new construction in a Zone AE to have its lowest floor elevated to or above the Base Flood Elevation plus freeboard, typically 1-2 feet. Substantial improvements (50%+ of value) trigger full compliance. Mortgage lenders require flood insurance in SFHAs. Folsom Lake State Recreation Area shoreline elevations fluctuate significantly with reservoir operations.
Contact your local code enforcement office for specific penalty information.
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Side-by-side rule comparisons with other cities in Sacramento County.
See how other cities in Sacramento County handle flood zones.
See how Folsom's flood zones rules stack up against other locations.
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