City of Oceanside is a coastal city in the southern California subject to periodic inundation which results in loss of property, threat to life, health and safety hazards, disruption of commerce and government services, expenditure of public funds for flood protection and relief, all of which affect the general welfare, health and growth of the community.
Oceanside is exposed to two general types of flooding: Riverine and Coastal.
- Riverine flooding is usually the result of heavy or prolonged rainfall occurring in upstream areas and generally affecting the areas surrounding the San Luis Rey River, Pilgrim Creek, Garrison Creek, Buena Vista Creek, and Loma Alta Creek.
- Coastal flooding is usually the result of a large storm and high tides. Floodwaters are usually driven ashore by high winds, an event known as storm surge. Damage from coastal flooding is often severe since it involves high velocity wave action and high tides.
All structures located in Special Flood Hazard Areas (SFHA) as designated, on the Flood Insurance Rate Maps (FIRMs) are particularly vulnerable to flood hazards and should have flood insurance to protect against loss of property.
Floodplain management in compliance with National Flood Insurance Program (NFIP) is the operation of a community program of corrective and preventative measures for reducing flood damage. These measures take a variety of forms and generally include requirements for zoning, subdivision or building, and special-purpose floodplain ordinances. Oceanside in striving to exceed the NFIP requirements has joined the Community Rating System (CRS) in 1992 which enables residents to receive 10% discount on their flood insurance.
Oceanside's agreement to adopt NFIP regulations and enforce floodplain management ordinances, particularly with respect to new construction, is an important element in making flood insurance available to home and business owners.