All of West Sacramento is in a "X" flood designation zone, which means that lenders do not require flood insurance when financing a home. Parts of Natomas are now in "A" zones, which do require flood insurance.

West Sacramento Flood designation is subject to change, but that should be avoided as we are working hard to meet the new levee standards. However, even if we exceed the standards, we are still surrounded by water and common sense says to go ahead and buy the flood insurance. Since we are in the "X" zone, we get the lowest rates, not to exceed $317 per year.

Higher ground, and away from the river. also check out nearby creeks, which may or may not be on the Fema maps as SFHA flood zones. SFHA stands for Special Flood Hazard Zones. The scary one is "A"
Flood insurance is required in "A" Zones.


"C" and "X" are mostly good, flood insurance in "C" and "X" are usually optional, and if purchased, much less expensive than flood insurance in an "A" zone.

Flood risk and insurance cost are only two parts of the housing expense and purchase decision.
There may be other compelling reasons that may make a purchase in an SFHA desirable.

For example: If I had to choose between a house in a zone A and a similar house in a gang populated area, and these were my only choices available to me, then I would choose the flood area over the gangster area.

You can go down town to FEMA and check that flood maps your self for West Sac