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rarely does a flood event cause 100% damage to the property at risk. The value was then converted to an estimate of average annual damage - a figure that could be used to justify future mitigation projects - as the benefits of mitigation are calculated as future damages avoided. Policies and Claims Information Presented here is information detailing the number ofNFIP policies currently in force, the number of A-Zone and non-A-Zone policies, and the claims filed and paid. This data provides an accurate description of vulnerability to floods in that the number of uninsured floodprone properties can be calculated. In addition, a high number of non-A-Zone policies might indicate an area susceptible to flood damages from ponding or inadequate drainage, because property owners in such areas are not forced to purchase flood insurance, it is strictly a voluntary purchase. Property owners that are incurring flood losses, and who discover that their losses can be insured, may explain groupings of policies outside the floodplain. Floodplain Population This section presents data from the State Hazard Mitigation Plan and includes the floodplain population, number offloodprone structures, and assigned flood risk designation. The state's flood risk designation is based upon the population and number of structures in the floodplain, plus the number of dams in the vicinity. Critical Facilities in the Floodplain Each CPS identified the "critical facilities" within the identified floodplain. Critical facilities were not identified outside of the floodplains because they could be subject to any of the other hazards on a hit-or-miss basis. The Planning Team felt that it is unlikely that protective measures for such facilities, (e.g., protecting a community water tower from a tornado) would be technically feasible or cost-effective. Where there is some feasibility, (e.g., protecting power supplies with sturdier poles spaced closer together), those actions are already being taken. Within the floodplains there is a quantifiable risk to these facilities, and potentially cost-effective protective solutions, (e.g., building a floodwall around a power substation, or protecting a school with temporary shields and closures). Crop Loss Data Each County Planning Element includes a summary tabulation of crop loss data for the county between the years 1980-2001. Listed are the average annual claims paid, the total amount of coverage purchased during the 21 year period, the total premiums paid during the 21 year period, and the total claims paid during the 21 year period. The National Crop Insurance Services, through the USDA/FSA, provided the data. The losses are for multiple hazards, as the policies cover multi-perils. In every county, average annual insured crop losses exceed the losses of any other hazard. Agricultural losses are the number one loss in each county within the Planning Area. The losses are likely even higher than those indicated because many crop losses are 50