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The most recent active FEMA flood zone map will take effect on April 5, 2019. For these maps and previous maps, click here.
Copies of the maps are available here. All FEMA maps, map amendments, and associated documents are available in the FEMA Map Service Center, https://msc.fema.gov/portal.
Past experience is one of a number of factors used when determining flood potential. Another factor that will significantly change your flood risk over time is the amount of new development that has occurred in your watershed which will increase the speed and quantity of the storm runoff and greatly increase the extent of flooding. Inadequate levees can be very effective for smaller storm events but may fail dramatically in places when faced by a really major storm. The flood hazard areas were determined using analyses of records of riverflow, storm tides, and rainfall; information obtained through consultation with the community and topographic surveys. The Flood Insurance Study also assumes the free flow of floodwaters through bridge openings and culverts. During an actual flood event, these openings may become plugged and other areas not shown as floodprone may be flooded.
This Flood Insurance Study represents the best technical information on the current flood risk in your community.
Central/North Central/North Shoreview: Improvements must be made to the North Levees near Coyote Point, and the Coyote Point and Poplar Avenue Storm Water Pump Station must be rehabilitated to address the tidal and stormwater flooding problems in these neighborhoods.There have been some discussions with the North Shoreview and North Central residents currently in the high-risk zone AE, and the City began working with a consultant to send out surveys in 2017 to gauge the interest in forming an assessment district.
In addition, San Mateo has been working to enter into FEMA's Community Rating System Program which will provide discounted insurance based on flood plain management activities that the City takes above and beyond National Flood Insurance Program minimum requirements. We are working on being certified to meet the minimum requirements, and anticipate that once we are accepted by the program, the initial insurance discount rate will be between 5% to 10%. The discount will apply to all policy holders within the City of San Mateo. Once we are in the program, the discount will apply when you renew your insurance. While we continue to work with FEMA, we are not able to estimate when San Mateo will be accepted into the discount program.
In the case of the South Bayfront Levee Improvements, the project cost of $7.5M was spread over the 8,000 parcels that receive the direct benefit of protection from tidal flooding, resulting in a relatively low cost per owner.
The remaining flood improvement projects in other areas of the City are relatively more expensive when considering the number of property owners who would share the burden. This makes the formation of additional assessment districts unpractical and in some areas would cost more than flood insurance.
Contact a local insurance agent;
Call the National Flood Insurance Program (NFIP) toll-free number, 1-800-427-4661, to request the name of an insurance agent in your area who sells flood insurance
For additional information on flood insurance, please visit the NFIP website or call the Flood Insurance Information Hotline, toll free, at 1-800-427-4661.
As an alternative, FEMA established procedures by which an interested community may compile appropriate data and request a map revision. Map revisions are often completed in less than 90 days from the date all data are received.
The request must include the surveyed elevation of the lowest grade adjacent to the structure or the lowest enclosed level of the structure and certain other information, as described in the MT-1 forms package entitled "Amendments and Revisions to National Flood Insurance Program Maps." The instructions in the forms package will assist property owners in compiling the information required to support a LOMA or LOMR-F request.
If, based on its review of the required information, FEMA determines that a home should be removed from the floodplain, FEMA will issue a LOMA or LOMR-F. LOMAs and LOMR-Fs are effective on the date they are issued and have the effect of revising the effective NFIP map without physically revising and reissuing the affected map panel. FEMA usually responds to such requests within 30 days of the date all required information is received.
For more detailed information, contact the National Flood Insurance Program toll-free number 1-888-379-9531.
Corrects a mapping or study analysis error;
Is based on the effects of natural changes within a SFHA;
Is based on the effects of a federally sponsored flood-control project where 50 percent or more of the project's costs are federally funded;
Is based on a detailed hydrologic or hydraulic study conducted by a Federal, State, or local agency to replace an approximate study conducted by FEMA and shown on the flood map; or
Is based on flood hazard information meant to improve upon that shown on the flood map or within the flood study, and does not partially or wholly incorporate manmade modifications within the SFHA.
The National Flood Insurance Program's website is www.floodsmart.gov, and many flood control and flood insurance resources are available there. FloodSmart.gov can help with residential & commercial coverage questions, understanding flood risks, policyholder resources, and contact information for more detailed information than what is covered in these frequently asked questions.
The Notice of Assessment and lien on the property is the official declaration of the assessment to show property owners that they will receive their assessment levy each year on their property tax rolls. Although property owners in the South Bayfront Assessment district have been paying their assessments since 2009-10, the South Bayfront Assessment District and the North Shoreview Assessment District were properly recorded as of February 2020.