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<br />" <br /> <br />" <br /> <br />Model Reaulations <br /> <br />Flood Insurance <br /> <br />Model flood plain regulations have been pro~ulgated by the <br />Colorado Water Conservation Board, with the purpose to promote <br />public health, safety, and general welfare, and minimize flood <br />hazards and losses. The model includes provisions designed to: <br /> <br />1. Promote sound planning and permit only such uses <br />within flood plains that will not endanger life, <br />health, and public safety or property in times of <br />flooding. <br /> <br />The National Flood Insurance Act of 1968 (Title XIII of the <br />Housing and Urban development Act, P.L. 90-448) recognized the <br />necessity for flood plain management. This Act makes federally <br />subsidized insurance available to citizens in communities that <br />adopt regulations controlling future developments of their flood <br />plain. Withe respect to encroachment on the flood plain, the <br />regulations require: <br /> <br />2. Protect the public from avoidable financial <br />expenditures for flood control projects, flood relief <br />measures, and the repair and restoration of damaged <br />public facilities. <br /> <br />1. New residential construction or substantial <br />improvement of existing homes must have the lowest <br />floor level at or above the elevation of the lOO-year <br />flood. <br /> <br />3. Prevent avoidable interruption of business and <br />COllUllerce. <br /> <br />2. Non-residential construction must meet the same <br />standard or be flood proofed to that level. <br />The 1968 Act benefits owners of structures already in the flood- <br />prone areas by providing insurance coverage that had been <br />unavailable through private companies. The Act created a <br />cooperative program of insurance against flood damage by the <br />private flood insurance industry and the federal government. <br /> <br />4. Minimize victimization of unwary home and land <br />purchases. <br /> <br />5. Facilitate the administration of flood hazard areas <br />by establishing requirements that must be met before <br />use or development is permitted. <br /> <br />The amount of coverage available and the premium rate varies <br />considerably depending on property location within the flood <br />plain and the property value. All property owners shown in this <br />study to be within areas subject to flooding should consider the <br />purchase of flood insurance. <br /> <br />The Board's model flood plain regulations offer two options for <br />management of the 100-year flood plain. These are the Hazard <br />Area Concept and the Floodway Concept. <br />The Hazard Area concept defines the C1reas of the flood plain in <br />which waters or the lOO-year flood dttcl.in a mt1ximum oJepth greater- <br />than one and one-half feet as a high hazard area, and a depth <br />less than this as a lov hazard area. <br /> <br />Additional information on the Flood Ins~~~ncc Progra~ is <br />available frc~ lccal i~sura~cc agents or brokers ane the: <br /> <br />The Floodway concept defines the channel of a strea~ and adjacent <br />flood plain areas that must be kept free of development in order <br />to safely pass the lOO-year flood with a minimal rise in the <br />water surface elevation. The rise must be no more than one foot <br />to meet federal stClndards. <br /> <br />Federal Emergency Management Agency, Region VIII <br />Natural and Technological Hazard Division <br />Building 710 <br />Denver Federal Center <br />Denver, CO 80225 <br />Telephone: 235-4830 <br />The National Flood InsurClnce Program used the floodway concept in <br />its rate studies for communitles participatlng in the regular <br />phase of the program. <br /> <br />Flood Warnino and Flood Forecastinq Systems <br /> <br />The National Oc~anic and Atmospheric Administration (NOAA) <br />through its National W~ather Service (NWS) , maintains year-round <br />surveillance of weather and flood conditions. Dailv weather <br />forecasts are issued through the NWS and disseminated by radio <br />and television stations. A ge~eral alert to the danger of flash <br />flooding is one of the services provided by the NWS. <br />