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5.2 Flood Hazard Factors The Flood Hazard Fact:or (FHF) is the Federal Insurance Administration device used to correlate flood information with insurance rate tables. Correlations: between property damage from floods and their FHF are used to set actuarial insurance premium rate tables based on FHFs from 005 to 200. The FHF for a reach is the average weighted difference between the 10- and 100-year flood water-surface e.levations expressed to the nearest one-half foot:, and shown as a three-digit code. For example, if the difference bet~een 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 feet, the FHF is 050. When the difference between the 10- and 100-year water-surface elevations is greater than 10.0 feet, accuracy for the FHF is to the nearest foot. .. ~ 5.3 Flood Insurance Zones After the determination of reaches and their respective Flood Hazard Factors, the entire incorporated area of the Town of Rangely was divided into zones, each having a specific flood potential or hazard. Each zone was assigned one of the following flood insurance zone designations: Zone A: Special Flood Hazard Areas inundated by the 100-year flood, determined by approximate methods; no base flood elevations shown or Flood Hazard Factors determined. Zones Al and A6: Special Flood Hazard Areas inundated by the 100-year flood, determined by detailed methods; base flood elevations shown, and zones subdivided according to Flood Hazard Factors. Zone B: Areas between the Special Flood Hazard Area and the limits of the SOD-year flood, including areas of the SOD-year flood plain that are protected from the 100-year flood by dike, levee, or other water control structure; or areas subject to certain types of 100-year shallow flooding where depths are less than 1.0 foot. Zone B is not subdivided. ~ "!! ~ Zone C: Areas of minimal flooding. 16