Permanente Creek Flood Protection*
This project provides flood protection to thousands of homes and businesses in Mountain View and Los Altos, created recreational opportunities and enhanced the environment. The project spanned 10.6 miles of Permanente Creek, from San Francisco Bay’s southwest shoreline through Mountain View to Foothill Expressway in Los Altos. A natural flood protection approach to prevent potential flooding damages in excess of $48 million (1999 value) was used for many of the key project elements. The project includes multiple elements: channel improvements; flood detention area and recreational improvements at City of Mountain View’s McKelvey Park; and flood detention areas, recreational improvements and enhanced habitat at County of Santa Clara’s Rancho San Antonio Park.
*This project was funded by the voter-approved 2012 Safe, Clean Water and Natural Flood Protection Program
Permanente Creek Flood Protection Project (completed)
This project was completed with funding from the voter-approved 2012 Safe, Clean Water Program and included four flood protection elements at different parts of Permanente Creek. See below for information about the flood detention basins at the county's Rancho San Antonio Park and Mountain View's McKelvey Park and the channel improvement elements.
Flood Insurance Rate Map Update
The Flood Insurance Rate Map (FIRM) for the Permanente Creek watershed Valley has been updated from its headwaters to the bay to reflect the Permanente Creek Flood Protection Project constructed by Valley Water. The new FIRM became effective on September 5, 2024. FEMA approved changes to flood maps when it approved a Letter of Map Revision (LOMR) application submitted jointly by Valley Water, the City of Mountain View, the City of Los Altos, the City of Cupertino, and Santa Clara County.
The revised maps and FEMA’s approval letter are available online from the Federal Emergency Management Agency’s (FEMA) map service center at https://msc.fema.gov/portal/search as “pending Effective Products."
The LOMR maps many properties into a lower-risk zone, changing the flood zone from a FEMA 100-year floodplain Zone A (e.g., Zone AE, AH, AO) to a FEMA zone with lower flooding risk (e.g., Zone X). Properties within the 100-year FEMA floodplain have a 1% annual chance of flooding to one foot or greater depth. Properties within FEMA’s 100-year floodplain, which are currently required (before September 5, 2024) to hold a flood insurance policy per the Flood Disaster Act of 1973 and the National Flood Insurance Reform Act of 1994, will be remapped into a lower-risk zone after the LOMR is approved and may be able to waive that requirement.
If your property is eligible for waiving the flood insurance policy requirement, FEMA and Valley Water suggest you still consider the voluntary purchase of flood insurance because high-risk areas are not the only dangers of flooding. Regardless of your risk level, you might consider contacting your insurance provider to discuss flood insurance options for your property under the new flood designation. If your property has a mandatory insurance requirement you wish to reconsider, the following information may help you understand that process.
Starting the insurance removal process
Each lender may have different requirements for property owners to obtain a waiver from the requirement to hold a flood insurance policy after their property has been remapped from a 100-year FEMA flood zone to a lower-risk Zone X.
The following are suggested actions you can take to help you get started with your lender process:
Confirm that your building has been placed in Zone X.
a. Use the map link to see if your property zoning has changed.
b. If your property is in Zone X, print (or download) a copy of the map showing your property’s address. Although not an official FEMA document, this document may help your lender quickly see that your property has been removed from the FEMA 100-year floodplain.
Gather basic documents as your lender will likely request documentation stating the change.
a. Obtain a copy of the official FEMA LOMR document. Click on the links below to download and print a copy.
Santa Clara County (Unincorporated Areas)
b. Print a copy of the letter from Valley Water informing you of FEMA’s LOMR approval (expected in early August).
c. Include the map from step one.
Call your lender, inform them of the new flood zone designation, and discuss the documents that support your request. Ask if other documents are needed. Send your lender the materials requested to obtain a waiver from the requirement to hold flood insurance.
If you purchased insurance from an insurance agent:
When you receive the waiver letter from your lender, contact your insurance agent and ask to have the policy canceled. Being removed from a high-risk flood zone doesn’t mean your property has no flood risk. It’s best to maintain coverage to protect your home or business.
If your lender purchased the flood insurance policy for you and billed you for it:
Ask your lender to cancel the policy and change the rates to reflect the reduced flooding risk at your property. Your insurance agent or lender will determine what refund standards apply to your policy, if any. Valley Water does not advise people to cancel their flood insurance as flooding risks remain.
Additional Contact Information
If you have questions about FEMA mapping or insurance, contact the FEMA Mapping and Insurance Exchange (FMIX) by phone at 1-877-336-2627, email [email protected], or live chat.