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<br />5.0 INSURANCE APPLICATION <br /> <br />For flood insurance rating purposes, flood insurance zone designations <br />are assigned to a community based on the results of the engineering analy- <br />ses. These zones are as follows: <br /> <br />Zone AE <br /> <br />Zone AE is the flood insurance rate zone that corresponds to the <br />100-year flood plains that are determined in the Flood Insurance <br />Study by detailed methods. Whole-foot base flood elevations derived <br />from the detailed hydraulic analyses are shown at selected intervals <br />within this zone. <br /> <br />Zone X <br /> <br />Zone X is the flood insurance rate zone that corresponds to areas <br />outside the 500-year flood plain, areas within the 500-year flood <br />plain, areas of 10Q-year flooding where average depths are less <br />than 1 foot, areas of 10Q-year flooding where the contributing <br />drainage area is less than 1 square mile, and areas protected from <br />the 100-year flood by levees. No base flood elevations or depths <br />are shown. <br /> <br />6.0 FLOOD INSURANCE RATE MAP <br /> <br />The Flood Insurance Rate Map is designed for flood insurance and flood <br />plain management applications. <br /> <br />For flood insurance applications, the map designates flood insurance <br />rate zones as described in Section 5.0 and, in the 100-year flood plains <br />that were studied by detailed methods, shows selected whole-foot base <br />flood elevations or average depths. Insurance agents use the zones and <br />base flood elevations in conjunction with information on structures and <br />their contents to assign premium rates for flood insurance policies. <br /> <br />For flood plain management applications, the map shows by tints, screens, <br />and symbols the 100- and 500-year flood plains, the floodways, and the <br />locations of selected cross sections used in the hydraulic analyses and <br />floodway computations. <br /> <br />7.0 OTHER STUDIES <br /> <br />This Flood Insurance Study was prepared with more up-to-date analyses <br />and therefore supersedes the previously published Flood Insurance Study <br />for the TOwn of Estes Park (Reference 12). <br /> <br />This study is in agreement with the revised Larimer County Flood Insur- <br />ance Study (Reference 13). <br /> <br />19 <br />