Natomas Flood Insurance

As of December 8, 2008 the flood zone maps for Natomas will be complete and Flood Insurance will be mandatory for all properties with mortgages backed by the federal government.

On December 8, 2008 the new flood zone maps for Natomas will be complete and Natomas will officially be in an AE flood zone. When the new flood insurance rate maps are completed, all residents who have mortgages backed by the federal government will be required to purchase and maintain a flood insurance policy. Current flood insurance rates for Natomas are approx. $348 for residential properties and $1642 for non-residential properties, but they will soon go up dramatically.

The new flood zone maps for Natomas will affect flood insurance rates differently depending on when the buildings on those properties were built. Here is a basic explanation of how the new maps will affect different properties:

Residential Flood Insurance
($250K Building, $100K Contents, $500 Deductible)

Preferred Risk Policy (PRP) - Available to almost all Natomas properties if flood insurance is purchased before 12/8/08 - $348

Standard X Flood Zone - Available to Natomas properties built before 9/15/1975 only if flood insurance is purchased before 12/8/08 and the property is "grandfathered" in to the X flood zone. Available to Natomas properties built after 9/15/1978 if purchased after 12/8/08 - $1250

New AE Flood Zone - Available to Natomas properties built before 9/15/1975 if they do not have flood insurance before 12/8/08 and therefore are not "grandfathered" into the X flood zone. - $2219

Non-Residential Flood Insurance
($500K Building, $100K Contents, $500 Deductible)

Preferred Risk Policy (PRP) - Available to almost all Natomas properties if flood insurance is purchased before 12/8/08 - $1642

Standard X Flood Zone - Available to Natomas properties built before 9/15/1975 only if flood insurance is purchased before 12/8/08 and the property is "grandfathered" in to the X flood zone. Available to Natomas properties built after 9/15/1978 if purchased after 12/8/08 - $2572

New AE Flood Zone - Available to Natomas properties built before 9/15/1975 if they do not have flood insurance before 12/8/08 and therefore are not "grandfathered" into the X flood zone. - $5285

In the post-Katrina era we all have a much better understanding of how devastating a major flood can be to both individuals and a community. When Katrina hit, the levees in place to protect the city failed and what resulted was one of the worst disasters in American history. Unfortunately, most people are not well informed about the dangers of floods and what they can do to protect themselves from financial devastation in the event of a flood. When most people think about floods, they only consider catastrophic disasters like Katrina and they often times forget that even an inch of water can cause several thousand dollars of damage to both structures and personal property.

What is your best defense against a devastating loss? Be prepared! The only way to really protect yourself from financial turmoil and hardship in the event of a flood is to secure a federally backed Natomas flood insurance policy today.

Stonecrest Insurance Services is a second generation Sacramento insurance agency and has been serving residents of Northern California since 1999. As Sacramento residents ourselves, we understand the unique and important challenges facing our community.We pride ourselves on providing top notch service and knowledgeable licensed agents to help Natomas residents navigate through the often confusing world of insurance so that in the event of a tragedy, the last thing you have to worry about is whether or not your insurance agent got you the right coverage, and you can attend to more important things in life. We will never charge any broker or service fees so you can trust you are getting the most affordable Natomas flood insurance rates possible.Thank you for visiting us and we look forward to serving all of your insurance needs both now and in the future.