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<br />5.0 INSURANCE APPLICATION <br /> <br />In order to establish actuarial insurance rates, the Federal <br />Emergency Management Agency has developed a process to transform the <br />data from the engineering study in~o flood insurance criteria. This <br />process includes the determination of reaches, Flood Hazard Factors, <br />and flood insurance zone designations for each flooding source <br />studied in detail affecting the City of Aspen. <br /> <br />5.1 Reach Determinations <br /> <br />Reaches are defined as leogths of watercourses having <br />relatively the same flood hazard, based on the average weight,ed <br />differences in water-surface e:evations between the 10- and <br />100-year floods. This difference does not have a variation <br />greater than that indicated in the following table for more <br />than 20 percent of the reach: <br /> <br />Average Difference Between <br />10- and 100::year F!.ooc[~~..__, <br /> <br />Less than 2 feet <br />2 to 7 feet <br />7.1 to 12 feet <br />More than 12 feet <br /> <br />Vad, a t i on <br />_._-- <br /> <br />0" 0; foot <br />L 0 foot <br />2,,0 feet <br />3,,0 feet <br /> <br />The locations of the reach"", determined for the <br />sources in the City of Aspen are shown on the Flood <br />(Exhibit 1) and summarized in ~~ar.le 3. <br /> <br />floodio9 <br />ProfilE'~; <br /> <br />5.2 Flood Hazard Factors <br /> <br />The Flood Hazard Factor (PHF) is used to establish <br />relationships between depth and frequency of flooding in a'~.y <br />reach. This relationship :,5 then used '"ith dE!pth..damag'" <br />relationships for various clas~;es of structures to establ ie" <br />actuarial insurance rate tables" <br /> <br />The FHF for a reach is the average weighted difference betwe~o <br />the 10- and 100-year flood wa t'"r,.,surface e1 E,va t ions rounded t,Q <br />the nearest one-half foot, multiplied by 10, and shown as a <br />three-digit code. ]~or exampl", if the difference between <br />water-surface elevations of the LO- and lOO-year floods is 0.7 <br />foot, the FHF is OOS; if the dif.ference is 1.4 feet, the FH,' i:o <br />015; if the difference is ~;,O f.eet, th,e FHE' is 050. \'1hen t:le <br />difference between the 10- and 100-year water-surface <br />elevations is greater than 10.0 feet, accuracy for the FHE' :,5 <br />to the nearest foot" <br /> <br />-8.. <br />