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<br />flood more than 1.0 foot at any point. Typical relation- <br />ships between the floodway and the floodway fringe and <br />their significance to flood plain development are shown <br />in Figure 11. <br /> <br />I . <br />I <br /> <br />100 YEAR FLOOD PLAIN <br /> <br />-I <br /> <br />I FLOODWAY <br />~ FRI"lGE <br /> <br />, <br />. <br />.ill <br /> <br />FLOODWAY <br /> <br />i <br />i <br />FLOOD ELEVATIO~ WHEN <br />CONFINED WITHIN FlOODWAY <br /> <br />I-- STREAM I <br />I CHANNEL ~ <br /> <br />I <br /> <br />.I__FLOODWAY ~ <br />. FRINGE ! <br />! <br /> <br />. . <br /> <br /> <br />E'l:CROACHMENT <br /> <br /> <br />I <br />I <br />I <br />I <br />i EI';CROACHMENT <br />I --. I <br /> <br /> <br />AREA OF FLOOD PLAIN THAT COULD <br />BE USED FOR DEVELOPMENT BY <br />RAISING GROUND <br /> <br /> <br />SURCHARGE~~ <br /> <br />- ~- <br />---- <br /> <br />---" ~ <br /> <br />FLOOD ELEVATION <br />BEFORE ENCROACHMENT <br />ON FLOOD PLAIN <br /> <br />--- <br />- --=--- <br /> <br />LINE A - B IS THE FLOOD ELEVATION BEFORE ENCROACHMEI\;T <br />LINE C - 0 IS THE FLOOD ELEVATION AFTER ENCROACHMENT <br /> <br />.SURCHARGE NOT TO EXCEED 1.0 FOOT OR LESSER AMOUNT IF SPECIFIED BY STATE. <br /> <br />Figure 11. Floodway Schematic <br /> <br />5.0 INSURANCE APPLICATION <br /> <br />In order to establish actuarial insurance rates, the Federal <br />Emergency Management Agency has developed a process to transform <br />the data from the engineering study into flood insurance cri- <br />teria. This process includes the determination of reaches, <br />Flood Hazard Factors, and flood insurance zone designations <br />for each flooding source studied in detail affecting the <br />City of Longmont. <br /> <br />5.1 Reach Determinations <br /> <br />Reaches are defined as lengths of watercourses having <br />relatively the same flood hazard, based on the average <br />weighted difference in water-surface elevations between <br /> <br />25 <br />