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Floodplain Management

Floodplain Management includes the different approaches we use to protect our city from the risks of flooding. Floodplains are areas that are likely to experience flooding, usually found near bodies of water, but can also include areas not directly adjacent to visible water where water collects from runoff. Managing these areas is crucial for reducing the damage floods can cause to homes, businesses, and the environment.


  • Mapping Flood Risks: We start by identifying and mapping areas most at risk of flooding. This helps us plan better and informs residents about the risks in their areas.
  • Building Regulations: We establish rules for building in flood-prone areas. These regulations ensure that new constructions are built in a way that minimizes flood damage and keeps people safe.
  • Flood Defense Structures: We also invest in structures like dams and drainage systems to control and redirect floodwaters away from vulnerable areas.
  • Emergency Preparedness: Educating the community about flood risks and preparing them for potential flood events is a key part of our strategy. We develop evacuation plans and provide resources for flood emergency situations.
  • Preserving Natural Floodplains: Protecting and restoring natural floodplains is important. These areas can absorb excess water and reduce the impact of floods.

Understanding Flood Insurance

Flood insurance costs are determined by several factors:

  • Location:  Based on the property's location in flood zones as defined by the Flood Insurance Rate Map (FIRM). Higher risk areas typically have higher premiums.
  • Elevation:  The elevation of the building relative to the Base Flood Elevation (BFE). Properties with elevations lower than the BFE usually face higher insurance costs.
  • Building Characteristics:  Factors such as the age of the building, construction type, number of floors, and whether there's a basement or enclosure.
  • Coverage Amount and Deductible:  The level of coverage selected and the deductible amount chosen also impact the premium. 

Visit the National Flood Insurance Program (NFIP) to learn more about how to insure your home against rising waters.

Community Rating System

Golden participates in the Community Rating System (CRS). Through this FEMA program, our community enjoys reduced flood insurance premiums due to targeted activities that reduce flood damage to insurable property, managing development in areas not mapped by the NFIP, and help insurance agents obtain flood data.

Elevations Certificates

Elevation certificates are crucial for properties in flood-prone areas, providing key details about a property's height relative to potential flood levels. They are used to assess flood risk, determine flood insurance premiums, ensure compliance with building regulations in flood zones, and aid in community floodplain management planning.

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  • 611 Cressman Ct.
  • 715-C Arapahoe St.
  • 802 23rd St. 
  • 823 9th St.
  • 911 10th St. Fire Station
  • 1000 10th St. Elevation Certificate
  • 1116 10th St. Elevation Certificate
  • 1217 9th St. Elevation Certificate
  • 17731 W. Colfax Elevation Certificate
  • 1800 Jackson St. Elevation Certificate
  • 1903 Washington Ave. LOMA
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