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. 5.2 5.3 ft' . , The locat~ons of the reaches of Manitoh Springs are shown and summatized in Table 3. I I Flood Haz~rd Factors I ! The FHF if the Federal Emergency Management Agency device used to correlfte flood information with insurance rate tables. Correla- tions bet een property damage from floods and their FHF are used to set ac. uarial insurance premium rate tables based on FHFs from 005 to 200. I , I The FHF for a reach is the average weighted difference between the 10- ahd 100-year flood water-surface elevations expressed to the ne~rest one-half foot, and shown as a three-digit code. For exampte, if the difference between water-surface elevations of the 10+ and 100-year floods is 0.7 foot, the FHF is 005; if the difference is 1.4 feet, the FHF is 015; if the difference , is 5.0 fe$t, the FHF is 050. When the difference between the 10- and lOO-year water-surface elevations is greater than 10.0 feet, acc$racy for the FHF is to the nearest foot. I Flood Ins$rance Zones ! After the!determination of reaches and their respective FHFs, the entirJ incorporated area of Manitou Springs was divided into zones, eaJh having a specific flood potential or hazard. Each zone was +ssigned one of the following flood insurance zone designa- tions: I , determined for the flooding sources on the Flood Profiles (Exhibit 1) Zone A: Special Flood Hazard Areas inundated by the lOO-year flood, determined by approximate methods; no base flood elevations shown or F'HFs determined. Zones A3, A5, A6, A8, A10 A14-Al6, A2l and A23: Special Flood Hazard Areas inundated by the lOO-year flood, determined by detailed methods; base flood elevations shown, and zones subdivided according to FHFs. Zone B: Areas between the Special Flood Hazard Areas and the limits of the 500-year flood, including areas of the 500-year flood plain that are protected from the 100-year flood by dike, levee, or other water control structure; also areas subject to certain types of 100- 19