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<br />5.0 INSURANCE APPLICATION <br /> <br />For flood insurance rating purposes, flood insurance zone designations are assigned to a <br />community based on the results of the engineering analyses. These zones are as follows: <br /> <br />Zone A <br /> <br />Zone A is the flood insurance rate zone that corresponds to the 100-year floodplains that are <br />determined in the Flood Insurance Study by approximate methods. Because detailed hydraulic <br />analyses are not performed for such areas, no base (IOO-year) flood elevations (BFEs) or depths <br />are shown within this zone. <br /> <br />Zone AE <br /> <br />Zone AE is the flood insurance rate zone that corresponds to the 100-year floodplains that are <br />determined in the Flood Insurance Study by detailed methods. Whole-foot BFEs derived from the <br />detailed hydraulic analyses are shown at selected intervals within this zone, <br /> <br />Zone AH <br /> <br />Zone AH is the flood insurance rate zone that corresponds to the areas of I DO-year shallow <br />flooding (usually areas of ponding) where average depths are between I and 3 feel. Whole-foot <br />BFEs derived from the detailed hydraulic analyses are shown at selected intervals within this zone. <br /> <br />Zone X <br /> <br />Zone X is the flood insurance rate zone that corresponds to areas outside the 500-year floodplain, <br />areas within the 500-year floodplain, areas of lOO-year flooding where average depths are less than <br />I foot, areas of lOO-year flooding where the contributing drainage area is less than I square mile, <br />and areas protected from the 1000year flood by levees. No BFEs or depths are shown within this <br />zone. <br /> <br />6.0 FLOOD INSURANCE RATE MAP <br /> <br />The Flood Insurance Rate Map is designed for flood insurance and floodplain management <br />applications. <br /> <br />For flood insurance applications, the map designates flood insurance rate zones as described in <br />Section 5.0 and. in the lOO-year floodplains that were studied by detailed methods, shows selected <br />whole-foot BFEs or average depths. Insurance agents use the zones and BFEs in conjunction with <br />information on structures and their contents to assign premium rates for flood insurance policies, <br /> <br />For floodplain management applications, the map 'shows by tints, screens, and symbols. the <br />100- and 500-year floodplains, floodways, and the locations of selected cross sections used in the <br />hydraulic analyses and floodway computations. <br /> <br />9 <br />