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5. Facilitate r.headmLnist::-ationof floochilzard~easbyestablishing requir<rnents that 1lU8t be met before use or development is petr.litted. The Board's nDdel flood plain regulations offer two options for m.anageoent of the lOU-year flood plain. These are the Hazard Area Conc'l't am the Floodway Concept. The Hazard Area concept definoos the a::-eas of the flood plaln in \ot1ich waters of the lOO-year flood attain a maxirrun dEpth greater than one an:! one-half feet as a high hazard areas. ani a depth less than this as a low hazard area. The Board recarroends that no oo.sanents shccl.d be allowed for structures located within the low hazard area an:! all habitable living quarters (first floors) shc>.1ld be constructed a miniI:run of one foot above the lOO-year floodwater S\.ll"face elevations. Development is prohibited in high hazard areas. The Floodway concept. used in this study, defines the dlamel of a strean am adjacent flood plain areas that 1lJ.J.St be kEpt free of development in order to safely pllSs the lOO-year flood with a minimal rise in the "",ter surface elevation. TIle ris", IIlUBt be nO lJl)re thw1. one faot to Flc.&......!.J:!.s~ The National Flood Insurance Act of 1968 (Title Xln of tile H~sing and Urban development Act, P.L. 90-448) recognized the necessity for flood plain management. This Act makes federally subsidized insurance available to citizens incOClTltnities that adopt regulatiofti cOlltrolling future developments of their flood plain. In respe<:t to encroachment 00- the flood plain. the regulations require: (1) New reSidential construction or substantial 1mprovenent of existing hanes IllUSt have the llklCSt floor level above the elevatia'! of the lOO-year flood. (2) Non-residential construction IlIU8t meet the Salle standard or be flood proofed to that level. The 1968 Act benefits ~el;'8 of structures already in the flood-prone areas by providill!; insurance coverage that ha:! been lnavailable through private canpaniee. The Act created a cooperative program of insurance against flood damage by the private flood insurance industry arxl the federal governnent. The an:D\.lnt of coverage iNailable arxi the prtflli\ml rate varies considerably dependirg 00 property 10catiOl1 within the flood plain and the property value. All property aonera sho.m in this study to be within areas subject to flooding ahCOJ.ld consider the purchase of flood meet federal standards. The U.S. Army Engineers HEI;-Z computer program was used t:o make the floodway analysis. Floodway information is included in a separate apperxlix. DaUl are in tabular form and include floodway widths, cross sectional flow area. and average velocities. CanputatioflS are for an insurance. inct""...,,., in ri,.., of ",..t",r ,;urfac" .,l"vatiOlI8 of 1.0 fecc above the 100-yearflood. 19 20