Rain in Contra Costa County is seasonal in nature. Generally, approximately 90 percent of the rainfall is received from November to April, and as a result of the intense concentration of rainwater, flooding usually occurs during those months.
In SFHA areas, there is at least a 1 in 4 chance of flooding during
a 30-year mortgage. Purchase of flood insurance is mandatory for buildings in the SFHA when a federally regulated lender
holds the mortgage and any contents on the building as collateral for
the loan. Owners of the properties situated outside the SFHA or 100-year floodplain, but are within the 500-year floodplain, have an option to purchase flood insurance.
Flood areas in the City of San Pablo identified by the Federal Emergency Management Agency (FEMA) as the 100-year floodplains area are mainly along San Pablo and Widcat Creeks, and along Rheem Creek at the west side of the City; 500-year floodplains extend further out from the 100-year floodplain edges. The 100-year floodplain is called the Special Flood Hazard Area (SFHA), which are high risk areas.
FEMA releases an official map of a community that delineates both the SFHA and the risk premium zones applicable to the community called the Flood Insurance Rate Maps (FIRM).
||Interactive electronic copies of the FIRM map can easily be viewed by entering an address through their Flood Map Service Center; you can also click the image on the side.
The FIRM map:
- Forms the basis for meeting floodplain
- Determines which buildings must carry flood
- Assists in the calculation of flood insurance
SFHA in San Pablo are labeled as "Zone A", "Zone AE" and "Zone AO". Depending on the lender's policy, coverage is required in the
amount of the loan or for replacement cost.
If only a portion of your
property lot falls within Zone A and the building/s or structure/s do not
lie within Zone A, you may not be required to carry flood
insurance. Please contact us at (510) 215-3060 or
stop by City Hall - Building 3 to find out if structures
located on your
property fall inside or outside of the flood zone.
FEMA update the FIRM maps approximately every five years and provide
copies to local government agencies, such as the City of San Pablo;
their last FIRM release is in 2015.
Below are resource links and informational guides.
News and Announcements: