FEMA / Flood Maps
The Federal Emergency Management Agency (FEMA) has recently revised the Flood Insurance Rate Maps (FIRMs) within Alameda County that may affect the floodplain designation of your property. The new maps became effective on December 21, 2018 and have added approximately 2,000 parcels within the Special Flood Hazard Area, known as the 100-year floodplain.
Property owners were notified in 2015 about FEMA’s proposed flood hazard determination. The City conducted public outreach by sending letters to homeowners whose parcels were mapped within the new floodplain, holding public information meetings, and publishing information on the city website. The City appealed the proposed maps. On June 21, 2018, FEMA responded that they evaluated the appeals, the appeals were resolved, and the determination was final. The revised FIRMs remain largely unchanged from the 2015 proposed maps. The officThey should be available in early September on FEMA's map portal website: https://msc.fema.gov/portal
. The proposed maps from 2015 are here: https://msc.fema.gov/portal.
Type "Alameda" in the search bar. On the next screen, click on the "Show All Products" box on the right hand side of the screen. On the next screen, click on "Preliminary Products" and then "Preliminary FIRM Panels" below it to see a full list of the proposed flood maps.
The following map numbers correspond to the areas shown in parentheses:
- 06001C0062H (Alameda Point NH)
- 06001C0064H (Alameda Point SW)
- 06001C0066H (Alameda Point NE and Bayport)
- 06001C0067H (Marina Village)
- 06001C0068H (Alameda Point SE and Ballena Bay)
- 06001C0069H (West Alameda Island)
- 06001C0088H (East Alameda Island)
- 06001C0232H (West Bay Farm Island)
- 06001C0251H (East Bay Farm Island)
The City has to adopt the revised FIRMs to continue participation in the National Flood Insurance Program (NFIP). The NFIP allows the City and property owners to be eligible for federally managed flood insurance, federally backed mortgages, federal grants, and federal disaster relief, while providing a means for property owners to financially protect themselves (a risk not covered by standard homeowner’s insurance policies). For more information on the NFIP and the insurance requirements please visit www.floodsmart.gov.
Initial View of 2018 Revised Flood Maps
A view of the 2018 revised flood maps can be found on the City's Community View
website. To view the maps, click on the Legend icon, then scroll down and under the "Environmental" heading, click on "FEMA100yr62018" (areas shown in blue are in the 100 year floodplain).
Properties within 100-Year Floodplain
If your property is in the floodplain, you are required to buy flood insurance if your lender is federally regulated or insured. If flood insurance is not required but the property is in the 100-year floodplain, flood insurance should still be considered.
If a property is within the floodplain, the owner may choose to have their house surveyed to determine if the lowest adjacent grade is above the predicted flood level (known as the Base Flood Elevation or BFE). This process requires an Elevation Certificate completed by a licensed surveyor or registered civil engineer. If the Elevation Certificate verifies that the grade is above the BFE, this can then be used to apply for a FEMA Letter of Map Amendment (LOMA). Lenders have the option of waiving the flood insurance requirement if a LOMA has been approved.
Residential Construction in Special Flood Hazard Areas
After the new maps are effective, all new and improved structures (cost of which equals or exceeds 50% of the market value of the structure, tracked over a 3-year period) within the identified floodplain will be required to elevate the structure above the BFE, get an Elevation Certificate, and file it with the City.
The City created a PDF document answering frequently asked questions to serve as a guide to residential construction within Special Flood Hazard Areas. Download the PDF here: FAQ and Construction Guide(PDF, 66KB)
- NEW, What Property Owners Need to Know About Map Changes 2018.pdf(PDF, 875KB)
- Companies Actively Writing Flood Insurance(PDF, 262KB)
- Newly Mapped Residential Information, Effective January 1, 2019(PDF, 125KB)
- Preferred Risk Policy Premium Tables 2018, Updated Sep. 13, 2018, Residential(PDF, 89KB)
- Policies for Buildings Newly Mapped into a High-Risk Area (Flyer for Insurance Agents)
- Elevation Certificate Form and Instructions
- How to Request a LOMA or LOMR-F
City of Alameda Floodplain Management Ordinance
Please contact the Public Works Department Monday through Thursday, 8am to 6pm, by phone: (510) 747-7930 or email: firstname.lastname@example.org