Sacramento’s network of levees and bypasses keep almost all of the city outside FEMA’s 100-year flood zone. That protection means that mortgage holders aren’t required to buy flood insurance, and residents who do purchase policies can get much lower rates.
But what if those levees weren’t there? Most of the city would be inundated in a 100-year flood, and flood waters could reach 10 feet or more in many areas. Because of the potential for levee failure, flood insurance is recommended in the shaded areas on this map.