The FEMA seclusion zone designation is ‘indefinite.’ However, in February 2024, the City submitted a Letter of Map Revision (LOMR) request with supporting documentation based on the as-constructed levee system that asks FEMA to return the flood hazard classification within Foster City limits to moderate risk – Zone X Protected by Levee. This process may take six months to a year or more. Flood insurance will continue to be non-mandatory for those with federally backed-mortgages. Anyone can obtain flood insurance, however, and premiums will be significantly lower than they would be if Foster City was reclassified as Zone AE. Questions about typical rates should be referred to lenders.
More information on Foster City’s FEMA status and supplementary documents can be found on this webpage: https://www.fostercity.org/fire/page/foster-citys-local-hazard-mitigation-plan-and-maps