FEMA flood zone rules in Redwood 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 Redwood City near the Bay and Redwood Creek are in FEMA flood zones. New construction in Special Flood Hazard Areas requires elevation to Base Flood Elevation plus freeboard. Flood insurance required for federally-backed loans.
Redwood City participates in the NFIP. Properties in FEMA-designated Special Flood Hazard Areas (Zone AE/Zone VE along the Bay) require flood insurance for federally-backed mortgages. New construction in flood zones must be elevated to or above the Base Flood Elevation (BFE) plus local freeboard requirements. A floodplain development permit is required from the Engineering Division. Redwood City's shoreline and lowlands near Redwood Creek and San Francisco Bay are subject to tidal flood risk. Check FEMA's Flood Map Service Center (msc.fema.gov) for your property's specific flood zone status.
Building in flood zone without permit: stop-work order and fines. Non-compliant construction: mandatory retrofit at owner expense. NFIP non-compliance may affect community flood insurance eligibility.
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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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