Floodplains are areas of land that are inundated by surface water during large storm events. Federal Emergency Management Agency (FEMA) regulates floodplains on the “base flood” or sometimes referred to as the 100-year flood. The 100-year flood has a 1 % chance of occurring in any given year. A 100-year flood may seem like a rare occurrence, but has a 26% probability of occurring over the life of a 30-year mortgage for a home located within a 100-year flood zone. FEMA floodplain maps and studies are usually performed along streams, rivers or coastlines that are subject to development or potential development that are likely to be affected by flooding.

 The City is a participating community in the FEMA National Flood Insurance Program (NFIP). To participate, the City must adopt and enforce a floodplain management ordinance that regulates development in the community’s floodplains and that meets state and federal standards.

Floodplain Development Checklist

Property owners and developers must complete this checklist when applying for a permit within a FEMA-designated floodplain.

FEMA Flood Insurance Rate Maps

The current FEMA flood insurance rate maps (FIRMs) affect properties along the Puget Sound shoreline, Boeing Creek, and Thornton Creek. Use the links below view the current maps:

Flood Insurance

Federal flood insurance is required in FEMA-designated flood hazard area, and is required when using federal loans to purchase or build structures located within a FEMA-designated floodplain. For more information and to purchase insurance, visit FloodSmart.gov.