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<br />5.2 Flood Hazard Factors <br /> <br />The Flood Hazard Factor (FHF) is used to establish relationships <br />between depth and frequency of flooding in any reach. This rela- <br />tionship is then used with depth~damage relationships for various <br />classes of structures to establish actuarial insurance rate tables. <br /> <br />The FHF for a reach is the average weighted difference between the <br />10- and 100-year flood water-surface elevations rounded to the <br />nearest one-half foot, multiplied by 10, and shown as a three- <br />digit code. For example, if the'difference between water-surface <br />elevations of the 10- and 100-year floods is 0.7 foot, the FHF is <br />005, if the difference is 1.4 feet, the FHF is 015, if the difference <br />is 5.0 feet, the FHF is 050. When the difference between the 10- <br />and 100-year flood water-surface elevations is greater than 10.0 <br />feet, it is rounded to the nearest whole foot. <br /> <br />5.3 Flood Insurance Zones <br /> <br />Flood insurance zones and zone numbers are assigned based on the <br />type of flood hazard and the FHF~ respectively. A unique zone <br />number is associated with each possible FHF, and varies from 1 for <br />a FHF of 005 to a maximum of 30 for a FHF of 200 or greater. <br /> <br />Zone AI <br /> <br />Special Flood Hazard Areas inundated by <br />the lOO-year flood, determined by <br />appro~imate methods; no base flood <br />elevations shown or FHFs determined. <br /> <br />Zone A21 <br /> <br />Special Flood Hazard Areas inundated by <br />the 100-year flood; with base flood <br />elevations shown, and zones subdivided <br />according to FHFs. <br /> <br />Zone C I <br /> <br />Areas! of minimal flood hazard; not <br />subdi~ided. <br /> <br />The flood elevation differences,i FHFs, flood insurance zones, and <br />base flood elevations for each flooding source studied in detail <br />in the communi ty are summar ized -in Table 3. <br /> <br />5.4 Flood Insurance Rate Map Description <br /> <br />The Flood Insurance Rate Map for! the City of Federal Heights is, <br />for insurance purposes, the principal product of the Flood Insurance <br />Study. This map contains the o~ficial delineation of flood insurance <br />zones and base flood elevations.: Base flood elevation lines show <br />the locations of the expected whole-foot water-surface elevation <br />of the base (lOO-year) flood. The base flood elevations and zone <br />numbers are used by insurance agents, in conjunction with structure <br />elevations and characteristics, ito assign actuarial insurance rates <br />to structures and contents insu~ed under the NFIP. <br /> <br />12 <br />