Flood Insurance & the Community Rating SystemBecause Sutter County participates in the National Flood Insurance Program (NFIP), property owners and renters in Sutter County can buy National Flood Insurance no matter where the insured parcel may be located within the County. The NFIP was created in 1968 to make federally backed flood insurance available to property owners who live in participating communities. Flood insurance in 1968 was virtually unavailable from the private insurance industry. The Flood Disaster Protection Act of 1973, as amended, requires federally-regulated lending institutions to make sure that mortgage loans secured by buildings in high-flood-risk areas are protected by flood insurance. This means that all structures a) located within a Special Flood Hazard Area, and b) having a federally-backed loan must have flood insurance . County staff can determine the relationship of a particular property to the floodplain, including:
- Whether the property is located within a Special Flood Hazard Area;
- Which Flood Insurance Rate Map (FIRM) a property falls under;
- What Flood Zone a property is in (A, AE, AH, AO, A99);
- The Base Flood Elevation for property and the anticipated depth of flooding, if available; and
- Whether the property is located within a Floodway.
- Reduce flood losses;
- Facilitate accurate insurance rating; and
- Promote the awareness of flood insurance.