FEMA flood zone rules in Simi Valley, CA — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Portions of Simi Valley fall within FEMA-designated flood zones, primarily along the Arroyo Simi and its tributaries. Properties in Special Flood Hazard Areas must meet floodplain development standards and carry flood insurance if federally financed.
Simi Valley participates in the National Flood Insurance Program (NFIP) and enforces floodplain management regulations for properties within FEMA-designated Special Flood Hazard Areas (Zone A and Zone AE). The Arroyo Simi channel runs through the city and several tributaries create flood risk in low-lying areas. New construction in flood zones must elevate the lowest floor at least one foot above Base Flood Elevation (BFE). Substantial improvements (costing 50% or more of the structure's value) must also meet flood elevation requirements. Fill and grading in floodways are prohibited unless a no-rise certification is provided by a licensed engineer. Flood insurance is required for properties with federally-backed mortgages in SFHAs.
Building in a flood zone without proper permits and elevation certificates is a violation of both city code and NFIP requirements. Non-compliant structures may not be eligible for flood insurance. The city may deny permits for development that increases flood risk. Penalties include fines and potential removal from the NFIP for the community.
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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 Simi Valley's flood zones rules stack up against other locations.
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