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~bserYat10ns and Recommendaticns The 100-year frequency flood has been selected by the State of Colorado as the flood event to be used for flood pla1n delineat10n and regulation. Throughout the Town of Lake City, the 100-year flood appears to be fairly well conta1ned in recognized stream channels from the standpoint of differences Inelevat10n betlOeenflood level and bank top. It Should be pOinted out, hOlOever, that the erosive forces that accompany a flood of th1s magnitude could potentially break through built up channel banks and reach the relatively 1010 lying, populated areas beyond them. During the last several decades, the To~n and County have diligently and continuously 100rked to keep the channels clear of debriS and potential debriS (such as dead trees still standing along the banks). The banks have been re. fortified ~ith heavy riprap almost annually as high spring ~aters tend to erode them. These efforts have undoubtedly helped to control flood ~aters and prevent potentially substantial damage. In spite of the substantial effort to build up banks or dikes, several low or weak points were observed along the Lake Fork of the Gunnison River and Menson Creek through the town of Lake City. During a 100.year flood flo~, the downtown area of Lake City could be in jeopardy from ~enson Creek. and populated area east of Henson Street would be in danger from erosive effects of the Lake Fork. rtisrecOllJTl€,nctedthatdikesbeimprOvedJnConsistencyandqualityto help protect these areas more fully. Generally an effective dike is considered to have a 3-foot freeboard with an 8 to 10 foot top ~idth and 3:1 side slopes. Rlprapshouldbe24"thick,w1thanadeQUatetoetrench,andshouldextend to within 1 foot of the top. Also. in the very steep and narrow channel upstream of the study reach on Henson Creek, continuing efforts to maintain a channel clear of debris and overbanks clear of dead trees are essential to protect the town against catastroph1c flood damage. Flood Insurance The National Flood Insurance Program is a Federal program that enables property owners to buyflooct insurance at a reasonable, subsJdiZedcoSt. In return, commun1ties are requirect to carry out floodpla1n management measures to protect lives and new construction from future f100d1ng. Flood insurance through the Nat10nal Flood lnsurance Program is available to all residents of the Town of Lake City under the Emergency Phase of tha Program. The following amounts at the subsidized rates are available under the Emergency Phase: Subsidized Total Amount Rate per $100 Ayailable of Coverage Single Family Res1dential $ 35,000 $ .45 Other Residential 100,000 .45 Contents, Residential 10,000 .55 Small Business 100,000 .55 Contents,SrnatlBusiness 100,000 1.05 Other Non-Residential 100,000 .55 Contents, Other Non.Res1dential 100,000 1.05 Follow1ng completion of this study, the Town of Lake City may request to be converted from the Emergency Phase to the Regular Phase through the "special conversion provision" of the program. At that time, substantially 1ncreased flood insurance coverage ~ill be available. All prOp€rty owners shown In this study to be with1n areas subject to flooding should consider the purchase of flood insurance. Additional information on the Flood Insurance Program is available from local insurance agents or brokers and the: COMMUN1TYINFORMATlON: AGENT & 8ROKER INFORMATlON Federal Emergency Management Agency Mr. Jim Qu1nn Natural and Technological Hazards D1v. Comouter Sc1ences Corporation Bldg. 710, Denver Federal Center 2801 Youngf1eld Box 25267 Suite 320 Denver, CO 80225-0267 Golden,CO 80401 Telephone: 235.4830 Teleohone: 231-9911 27 25