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<br />5.1 Reach Determinations <br /> <br />Reaches are defined as lengths of watercourses having relatively <br />the same flood hazard, based on the average weighted di fference in <br />water-surface el evations between the 10- and 100-year fl oods. Thi s <br />difference does not have a variation greater than that indicated in <br />the following table for more than 20 percent of the reach: <br /> <br />Average Difference Between <br />10- and 100-year Floods <br /> <br />Le ss than 2 feet <br />2 to 7 feet <br /> <br />Variation <br /> <br />O. 5 foo t <br />1. 0 foot <br /> <br />One reach meeting the above criteria was required for the flooding <br />source of the Town of Del Norte. The location of the reach is <br />shown on the Flood Profile. <br /> <br />5.2 Flood Hazard Factors <br /> <br />The Flood Hazard Factor is used to correlate flood information with <br />insurance rate tables. Correlations between property damage from <br />floods and their assigned FHFs are used to set actuarial insurance <br />premium rate tables based on FHFs from 005 to 200. <br /> <br />The FHF for a reach is the average weighted difference between the <br />1D- and 100-year flood water-surface elevations expressed to the <br />nearest one-hal f foot, and shown as a three-digit code. For <br />example, if the difference between water-surface elevations of the <br />10- and 100-year floods is 0.7 foot, the FHF is 005; if the <br />difference is 1.4 feet, the FHF is 015; if the difference is 5.0 <br />feet, the FHF is 050. When the difference between the 10- and <br />100-year water-surface elevations is greater than 10.0 feet, <br />accuracy for the FHF is to the nearest foot. <br /> <br />5.3 Flood Insurance Zones <br /> <br />After the determination of reaches and their respective Flood <br />Hazard Factors, the entire incorporated area of the Town of Del <br />Norte was divided into zones, each having a specific flood <br />potential or hazard. Each zone was assigned one of the following <br />flood insurance zone designations: <br /> <br />Zone AI: <br /> <br />Special Flood Hazard Areas inundated by <br />the 100-year flood, determined by <br />detailed methods; base flood elevations <br />shown, and zones subdivided according <br />to Flood Hazard Factors. <br /> <br />Zone B: <br /> <br />Areas between the Special Flood Hazard <br />Areas and the 1 imits of the 500-year <br />flood, including areas of the 500-year <br /> <br />11 <br />