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I I I I I I I I I I I I I I I I I I I I Non-Structural Structural ./ CRS Program ./ Flood insurance (NFIP) ./Floodplain regulations in City Ordinances ./ City purchased flood-prone industrial site for park ./ Levee protecting waste water plant ./ Bank stabilization city parks ./ Channel improvements - Uncompahgre ./ Valve storm drain system to prevent backwashing The CWCB encourages Colorado's flood-prone communities to seek the implementation of non-structural flood hazard mitigation activities wherever feasible. However, they realize that many times structural activities are the only viable options a community may have because oflocal circumstances. A. Non-Structural Flood Hazard Mitigation in Delta 1. Flood Insurance There are three types of insurance available to Delta residents to reduce uninsured losses from floods. National Flood Insurance Program (NFIP): This is a federally-subsidized program that is available to any property owner in a participating community whether or not the structure is located in an identified flood hazard area on a community's Flood Insurance Rate Map (FIRM). Insurance is sold through private insurance agents. Delta is a participant in good standing in the NFIP. Sewer Backup Insurance: This will cover water damage to a structure and contents when sewer lines back up. It is a commercial insurance policy and details will vary from company to company. Sump Pump Insurance: Several companies will insure for damages caused if a sump fails. Check several companies to see if they carry it and what the policy covers. More about the National Flood Insurance Program (NFIP): The NFIP is based on an agreement between local Colorado communities and the federal government. The community agrees to implement measures to reduce future flood risk to new construction and substantial improvements in identified Special Flood Hazard Areas as mapped by FEMA on a community's Flood Insurance Rate Map (FIRM). Then, FEMA makes flood insurance available within the community as a financial protection against flood losses when they occur. The insurance is designed to provide an alternative to disaster assistance to meet the escalating costs associated with the repair of structures and replacement of contents when damaged by a flood event. Until the establishment of the NFIP in 1968, flood insurance was generally unavailable from private sector insurance companies.