FEMA flood zone rules in Oxnard, CA — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Parts of Oxnard lie within FEMA-designated flood zones due to proximity to the Santa Clara River, coastal areas, and the Oxnard Plain agricultural drainage. Flood insurance is required for properties in Special Flood Hazard Areas.
Oxnard participates in the National Flood Insurance Program (NFIP). Properties in FEMA-designated Special Flood Hazard Areas (zones A and V) must carry flood insurance if they have a federally backed mortgage. New construction in flood zones must meet elevated foundation requirements and floodproofing standards. The base flood elevation varies by location and is shown on FEMA Flood Insurance Rate Maps (FIRMs). The city's Building and Engineering Division reviews development in flood zones to ensure compliance. Oxnard also participates in the Community Rating System (CRS), which may qualify residents for flood insurance premium discounts.
Building in flood zones without proper permits and elevation certificates may result in permit denial, stop-work orders, and inability to obtain flood insurance.
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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 Oxnard's flood zones rules stack up against other locations.
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