Existing homes and businesses
Typical homeowners or renters' insurance policies do not include flood insurance coverage and there is a 30-day waiting period for coverage. If your property is located in a 100 year special flood hazard zone (area with a 1% chance of flooding in any year) as determined by FEMA, all federally insured loans will require flood insurance unless:
- Your home/building has been elevated during construction so that it is no longer at risk
- Your home/building has been constructed using flood resistant materials
Whether your are a homeowner, lender, real estate agent, or a business owner, more information about the National Flood Insurance Program can be found at https://www.fema.gov/national-flood-insurance-program. The FEMA Elevation Certificate and/or FEMA Letter of Map Amendment (LOMA) are the tools you as a single family homeowner or property owner can use to show your lender / insurer that the building located on the property is no longer at risk or at reduced risk for the 100 year flood event. FEMA may charge a fee for review of LOMA's. Contact the City Engineering Department at 951-674-3124, ext. 308 or the Elevation Certificate web page to find out if the City has an elevation certificate on file for your property.
* Please note that some lenders may require flood insurance as a condition of the loan; that is their right as lender.
The City requires new construction or substantial reconstruction/improvements to comply with the existing Flood Plain Ordinance.
- Flood Damage Prevention Ordinance 1372 (Chp. 15.64)
- Flood Plain Management Ordinance 1105, (Chp. 15.68)
Compliance includes elevation of the finished floor to the existing base flood elevation or higher and may require submittal to FEMA of a Conditional Letter of Map Revision (CLOMR), Conditional Letter of Map Amendment (CLOMA) and a Letter of Map Revision, Letter of Map Revision based on Fill, and Letter of Map Amendment (LOMR, LOMR-F and LOMA respectively). FEMA may charge a fee for review.