Protect Your Sacramento
Home From Flood Damage
Quick, comprehensive and personalized coverage to protect you from unexpected flood damage
Flooding in Sacramento WHAT YOU NEED TO KNOW
Flooding might not be the first thing that comes to mind when you think of Sacramento, but it's a growing concern, and it affects more neighborhoods than you might expect. Situated at the confluence of the Sacramento and American Rivers, the city is protected by an extensive levee system. However, heavy rainfall, rapid snowmelt from the Sierra Nevada, and aging infrastructure contribute to the city's flood risk. Studies indicate that over101,000 properties (68%) in Sacramento are at risk of flooding today.In recent years, atmospheric river events have led to significant flooding, underscoring why it is important to buy private flood insurance in Sacramento, CA.
Flood Zones in Sacramento
Sacramento County encompasses a mix of high-risk and moderate-to-low-risk flood zones, as designated by FEMA. Properties in Zones AE, AH, AO, and A99 are considered high-risk and may be required to carry flood insurance, especially if backed by a federally insured mortgage. Even areas classified as Zone X, deemed lower risk, have experienced flooding incidents. Notably, 40% of flood insurance claims in the US come from these moderate-to-low-risk areas.
Some flood-prone areas in Sacramento include:
- Natomas (ZIP codes: 95833, 95834, 95835) – low-lying area with a history of levee concerns.
- Pocket-Greenhaven (ZIP code: 95831) – bounded by the Sacramento River, susceptible to riverine flooding
- Arden-Arcade (ZIP codes: 95825, 95864) – experiences flooding from nearby creeks during heavy rains.
- East Sacramento (ZIP code: 95819) – faces urban flooding due to aging drainage systems.
- South Sacramento (ZIP codes: 95823, 95828) – prone to flash floods during intense storms
Not sure what flood zone you're in? Our team of expert advisors at Advantage Flood can help you look it up and assess your risk—for free.
Seamless Switching
Already Insured? you can still SWITCH!
Our flood insurance experts make switching simple—seamless transitions, stress-free coverage, and the confidence of knowing you're protected.
+150 years
Insurance Experience in the Agency
33 years
In Business
All 50 States
Nationwide coverage
97%
Customer Satisfaction
21 year
Average Customer Loyalty
Floods Happen. Be Prepared Before They Do.
Answer a few simple questions to get your flood insurance quote today.
When is flood season in Sacramento
Sacramento's flood season typically runs from November through April, aligning with the region's rainy season. During this period, atmospheric river events can bring prolonged heavy rainfall, increasing the risk of riverine and urban flooding. Additionally, rapid snowmelt from the Sierra Nevada in late winter and early spring can elevate river levels, posing further flood threats.
Common causes of flooding in Sacramento
Flooding here isn’t just about overflowing rivers. In fact, some of the most damaging floods happen inland and are caused by:
Heavy rainfall – intense storms can overwhelm stormwater systems.
Levee breaches or failures – aging infrastructure may not withstand prolonged high water levels.
Rapid snowmelt – warm temperatures can cause swift melting in the Sierra Nevada, increasing river flows.
Urban runoff – impervious surfaces in developed areas lead to quick accumulation of surface water.
Blocked drainage systems – debris can obstruct water flow, causing localized flooding.
Even if you’ve never experienced a flood, these events can happen without warning, making getting private flood insurance in Sacramento, CA a smart and proactive move.
Top-Rated Flood Insurance
Expert Guidance & Unmatched Customer Support
Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
FAQ: Your Questions, Answered
Find quick and reliable answers about flood insurance.
