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<br />. <br /> <br />. <br /> <br />. <br /> <br />Flood Insurance <br />Flood insurance is made available to owners and occupants of floodprone property through the <br />federal government's National Flood Insurance Program (NFIP), The NFIP insurance is available <br />to anyone in any community that participates in the NFIP. At the time of this publication, Fort <br />Morgan was participating in the NFIP, and officially joined the regular program of the NFIP on <br />February 5, 1986, Communities become participants by adopting floodplain regulations, adopting <br />an NFIP map (if one exists) and agreeing to cooperate with the federal government in the local <br />implementation of the NFlP. Property owners and occupants can then contact an insurance agent <br />familiar with the NFIP (perhaps their own agent) and purchase insurance through that agent, much <br />like they would purchase homeowner's insurance. Brochures and other information regarding the <br />National Flood Insurance Program can be obtained by calling the Regional Office of the Federal <br />Emergency Management Agency (FEMA) in Denver at (303) 235-4830, <br /> <br />Floodplain Manal!ement Alternatives <br />Besides floodplain regulations and flood insurance, there are many actions that can reduce the risk <br />of flood damage in a community. Generally these actions fall into two classes, structural actions <br />and non-structural actions, Structural actions involve the construction of facilities to separate <br />floodwaters from property that is at risk, They include construction of improved channels, <br />enlargement of crossing structures (bridges and culverts), levees and floodwalls, reservoirs and <br />ponds to detain floodwaters and diversion channels and pipes to direct waters elsewhere. Non- <br />structural actions usually involve removing people and/or structures from the risk area without <br />physically altering the floodplain. Actions include regulation of new development, the adoption <br />and enforcement of specific building code requirements, floodproofing of existing buildings, <br />relocation of structures to safer sites, acquisition of floodplain (including buildings) for open space <br />or other appropriate land uses, public education, flood warning systems and emergency response <br />programs, <br /> <br />Colorado communities interested in exanumng or pursuing possible floodplain management <br />alternatives should contact the Colorado Water Conservation Board. Knowing the full range of <br />altematives can allow a community to develop a program that best addresses its particular flood and <br />storm drainage situation. <br /> <br />5 <br />