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5.0 INSURANCE APPLICATION For flood insurance rating purposes, flood are assigned to a community based on the analyses. These zones are as follows: insurance zone designations results of the engineering Zone A Zone A is the flood insurance rate zone that corresponds to the 100-year floodplains determined in the Flood Insurance Study by approximate methods. Because detailed hydraulic an...lyses are not performed for such areas, no base flood elevations or depths are shown within this zone. Zone AE Zone AE is the flood insurance rate zone that corresponds to the 100-year floodplains determined in the Flood Insurance Study by de- tailed methods. In most instances, whole-foot base flood elevations derived from the detailed hydraulic analyses are shown at selected intervals within this zone. Zone X Zone X is the flood insurance rate zone that corresponds to areas outside the 500-year floodplain, areas within the 500-year flood- plain, areas of IOO-year flooding where average depths are less than 1 foot, areas of 100-year flooding where the contributing drainage area is less than 1 square mile, and areas protected from the 100- year flood by levees. No base flood elevations or depths are shown within this zone. 6.0 FLOOD INSURANCE RATE MAP The Flood Insurance Rate Map 1S designed for flood insurance and floodplain management applications. For flood insurance applications, the map designates flood insurance rate zones as described in Section 5.0 and, in the lOO-year floodplains that were studied by detailed methods, shows selected whole-foot base flood elevations or average depths. Insurance agents use the zones and base flood elevations in conjunction with information on structures and their contents to assign premium rates for flood insurance policies. For floodplain management applications, the map shows by tints, screens, and symbols, the 100- and 500-year floodplains and the locations of selected cross sections used in the hydraulic analysis. 16