PREPARE FOR WINTER STORMS. PROTECT YOUR FAMILY AND PROPERTY FROM FLOODING.
KNOW YOUR FLOOD RISK
The Special Flood Hazard Area (SFHA) is the area subject to a 1% chance of flooding in any given year and is delineated on a FEMA Flood Insurance Rate Map (FIRM). FIRMs for the unincorporated areas of Monterey County may be viewed at the Monterey County Department of Housing and Community Development (HCD). Upon request, HCD will determine whether a specific parcel is located within a FEMA-defined 100-year floodplain. For more information regarding the flooding potential of a specific property, please contact the HCD Environmental Services Division at (831) 755-5025.
INSURE YOUR PROPERTY FOR YOUR FLOOD HAZARD
Within the 100-year floodplain, a home has a 26% chance of experiencing flooding during the life of a 30-year mortgage. Flooding is not covered by standard property insurance; however, federally subsidized flood insurance may be purchased from local property insurance agents. There is normally a 30-day waiting period before flood insurance goes into effect. The NFIP provides two types of insurance coverage: structural and contents. Structural coverage includes walls, floors, insulation, furnace, and other items permanently attached to the structure. Monterey County residents receive up to a 25% discount on flood insurance premiums as a result of our community’s Class 5 rating in FEMA’s Community Rating System.
FLOOD WARNING
Monterey County’s ALERT (Automated Local Elevation in Real Time) system consists of automated rain and stream gages that transmit data during storms to County, State, and Federal offices. This data allows for the earliest possible flood warnings and river flow forecasts. Large floods, such as the 100-year flood, may reach flood stage quickly and only a short warning may be possible. The Emergency Notification System is a countywide system with the capability of targeting specific areas. To be a part of this program, register your cell phone number with ALERT Monterey County: www.alertmontereycounty.org
PROTECT YOUR PROPERTY
To protect your property from flood damage, measures such as retrofitting, grading, and/or correcting local drainage may be necessary. Such retrofitting techniques include: elevation of the home, relocating the home to higher ground, constructing floodwalls or berms, floodproofing, and protecting utilities. FEMA Flood Mitigation Assistance grants may be available to help homeowners elevate or relocate above the SFHA. In emergency situations, sandbagging may be appropriate. Sandbags may be obtained at local fire stations, and sand is available to the public at various stockpile locations. For more information on sandbag and stockpile locations please contact Monterey County’s Public Works Maintenance Office at (831) 755-4925 or visit https://www.co.monterey.ca.us/government/departments-i-z/public-works-facilities-parks/storm-preparedness.
BUILD RESPONSIBLY
Regulations for floodplains in Monterey County are contained in Chapter 16.16 of the Monterey County Code. As defined in County Code, development means any man-made change to improved or unimproved real estate, including but not limited to; buildings or other structures, mining, dredging, filling, grading, paving, excavating, or drilling operations located within the SFHA. There are more restrictive regulations for development within the FEMA-defined floodway. Please contact the HCD Code Enforcement Division, at (831) 755-5025, to report unpermitted development in the floodplain.
NATURAL FLOODPLAIN FUNCTIONS
Floodplains are a natural component of the Monterey County environment. Understanding and protecting the natural and beneficial function of floodplains helps reduce flood damage and protects resources. When flooding spreads out across the floodplain, its energy is dissipated, which results in lower flow velocities downstream, reduced streambank and channel erosion, and improved groundwater recharge. Floodplains are scenic, valued wildlife habitat, and suitable for farming. Poorly planned development in floodplains can lead to streambank erosion, loss of valuable property, increased risk of flooding to downstream properties, and degradation of water quality.
Stream dumping is prohibited. Trash and vegetation dumped into a stream degrades water quality of the stream itself and receiving waters. Additionally, the County has adopted and enforces regulations that prohibit dumping of material into ditches, streams, or other drainageways. If you observe dumping of debris or other objects into any watercourse, please contact the Monterey County Environmental Health Division (831) 755-4505 and the HCD Code Enforcement Division at (831) 755-5025.
If you have any questions regarding flood protection assistance, flood data, flood prevention retrofitting techniques, financial assistance, runoff control, or other flooding and sewer problems, THE MONTEREY COUNTY DEPARTMENT OF PUBLIC WORKS, FACILITIES & PARKS IS HERE TO ASSIST YOU. (831) 755-4800.