The reality is that everything built in Natomas in recent years is in a flood zone. There is a reason why this area north of downtown was never developed all these years until the great real estate boom years. Hungry for places to build new developments, developers pushed local government to open the area and after much struggle it was finally opened for development. Now it turns out the flood dangers were greater than the city and county let on and the federal government has raised issues. Legal maneuvering is keeping the cost of flood insurance lower than it should be, but the danger is there. Heavy insurnce coverage and back up funds to handle the large deductibles are a must.