Yuba City Flood Insurance – Affordable Coverage & Protection
We service all of California, including the local communities of Sutter, Marysville, Arboga, Plumas Lake, Natomas, Meridian, Colusa, and Colusa County.
When most people think of a flood, they might imagine events like Hurricane Katrina or Hurricane Sandy. Those devastating storms caused billions of dollars in damage. In reality, most floods are caused by far less catastrophic situations. In fact, it only takes a few inches of standing water to cause tens of thousands of dollars in damage.
FEMA Updates: Flood Maps for Colusa County, Colusa, and Williams
Flood Risk in Colusa County
According to the First Street Foundation Model, Colusa County leads California with the highest share of properties at risk of flooding (5,600 properties).
Major Local Flooding Events
- 1955: Yuba City
- 1986: Marysville/Linda
- 1997: Plumas Lake/Arboga
- 2017: Oroville Dam evacuations
Oakview Insurance Services Inc. provides flood insurance products through FEMA and the National Flood Insurance Program (NFIP) as well as several private insurance companies.
Understanding Flood Insurance Coverage
NFIP vs. Private Flood Insurance
For NFIP policies, in most cases, there is a 30-day waiting period after purchase. Don’t wait until it’s too late! Private flood insurance providers can offer waiting periods as short as one day and higher coverage limits. Call us today to explore your options at (530) 674-5054.
Helpful Resources
Monitor California’s reservoir levels and current conditions via the CDWR’s Reservoir Monitor.
Flood Stats
- 90% of California counties have experienced at least one flood during recent major droughts.
- Every house in the U.S. is in a FEMA flood zone—some zones are riskier than others.
- 1 foot of water damage in the average home causes $72,000 in damage.
Does Homeowners Insurance Cover Flood Damage?
Regardless of whether you live in Yuba City or elsewhere in California, flood insurance must be purchased as a separate policy. Most standard homeowners, renters, and business policies do not include flood coverage.
Flood policies can even reimburse you for the work you and your family do to sandbag your home, move furniture, and remove debris.
If you live in certain flood zones, your mortgage company may require flood insurance. Outside high-risk zones, or if you no longer have a mortgage, flood insurance is optional but still highly recommended.
How to Get a Flood Insurance Quote
To get started, call our office or visit our Quotes Page. We make the process simple and straightforward!