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<br />I <br />i <br />I <br />I <br />!~_~.Q.~~.C;:J~~_APP~l.fA TION <br /> <br />5.0 <br /> <br />~ <br /> <br />In order to establish actuarial insurance rates, the Federal Insurance <br />Administratio~ has developed a process to transform the data from the <br />engineering study into flood insurance criteria. This process includes <br />the determination of reaches, Flood Hazard Factors, and flood insurance <br />zone designations for each flooding source studied in detail affecting <br />the Town of Frisco. <br /> <br />... <br /> <br />5.1 Reach Determinations <br /> <br />Reaches are defined as lengths of watercourses having relatively <br />the same I flood hazard, based on the average weighted difference in <br />water-sutface elevations between the 10- and lOO-year floods. <br />I <br />This difference does not have a variation greater than that indicated <br />in the following table for more than 20 percent of the reach: <br /> <br />Average Difference Between <br />10- and 100-year Floods <br />_ ~ . ,- '~_..... ~~ . "'._"_'~''''''U.. '.~.."'''''''__~__ <br /> <br />Variation <br /> <br />Less than 2 feet <br />2 to 7 feet <br />7.1 to 12 feet <br />More than 12 feet <br /> <br />0.5 foot <br />1. 0 foot <br />2.0 feet <br />3.0 feet <br /> <br />"J <br /> <br />The locations of reaches determined for the flooding sources of <br />the Townlof Frisco are shown on the Flood Profiles (Exhibit 1) and <br />sununarized in Table 3. <br /> <br />5.2 Flood Ha~ard Factors <br /> <br />, <br />The Flood Hazard Factor (FHF) is the Federal Insurance Administration <br />device u~ed to correlate flood information with insurance rate <br />tables. !Correlations between property damage from floods and <br />their FH~ are used to set actuarial insurance premium rate tables <br />based onlFHFs from 005 to 200. <br /> <br />i <br />The FHF for a reach is the average weighted difference between the <br />10- and lOO-year flood water-surface elevations expressed to the <br />nearest 6ne-half foot, and shown as a three-digit code. For <br />example, !if the difference between water-surface elevations of the <br />10- and 100-year floods is 0.7 foot, the FHF is 005; if the difference <br />is 1.4 f~et, the FHF is 015; if the difference is 5.0 feet, the <br />FHF is O~O. When the difference between the 10- and 100-year <br />water-su~face elevations is greater than 10.0 feet, accuracy for <br />the FHF is to the nearest foot. <br /> <br />~ <br /> <br />11 <br /> <br />~. <br />