Residents of north Stockton’s Twin Creeks neighborhood don’t seem to be paying much attention to the flood-insurance mandate that could be heading their way.
As of last week, there had been no official word from FEMA that the subdivision would be remapped as a high-risk flood area. But the agency has indicated that a letter is coming, and it’s no secret.
Such an action would require homeowners with mortgages to pay flood insurance.
There are two problems: The levee on the north side of the subdivision is buffered by encroachments built by residents. Progress has been made dealing with that issue.
The levee on the south side might be the bigger headache. It’s privately owned, by someone who lives outside the area, and is not formally maintained. Property owners would likely have to agree to pay to get the levee into shape before a public agency might agree to take it over.
“Someone needs to step up,” Stockton-based levee engineer Chris Neudeck said at a county flood-control meeting last week.
So far, no one has.
“They have their heads in the sand,” Neudeck said. “That first forced-upon flood insurance policy is going to wake them all up.”