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3 Even though these structures are not included in an SFHA, they could be inundated by a flooding event of greater magnitude tban the base flood. In fact, more than 25 percent of all losses in the NFIP occur to structures located outside the SFHA in Zones B, C, or X. More than 25 percent of all policies purchased under the NFIP protect structures located in these zones. This clearly illustrates that there is a risk of flooding in non-SFHAs. That risk is just not as great as the flood risk to structures located in SFHAs. To offer flood insurance protection to owners of such structures, the NFIP offers two types of flood insurance. Property owners should discuss their individual flood risk situation and insurance needs with their insurance agent or company before making a final decision regarding flood insurance coverage. The revisions are effective as of the date of this letter; however, within 90 days of the second publication in the Longmont Daily Times-Call, a citizen may request that FEMA reconsider the determination made by this LOMR. Any request for reconsideration must be based on scientific or technical data. All interested parties are on notice that, until the 90-day period elapses, the determination to modify the BFEs presented in this LOMR may itself be modified. Due to present funding constraints, we must limit the number of physical map revisions processed. Consequently, we will not republish the FIRM and FIS report for your community to reflect the modifications described in this LOMR at this time. However, when changes to FIRM Panel 0001 D and the FIS report for your community warrant a physical revision and republication in the future, we will incorporate the modifications described in this LOMR at that time. The flood way is provided to your community as a tool to regulate floodplain development. Therefore, the floodway modifications described in this letter, while acceptable to FEMA, must also be acceptable to your community and adopted by appropriate community action, as specified in Paragraph 60.3(d) of the NFIP regulations. A separate LOMR was issued on the same date as this LOMR to describe the effects of this project on the unincorporated areas of Weld County, Colorado. This response to Mr. Krickbaum's request is based on mllllmum floodplain management criteria established under the NFIP. Your community is responsible for approving all floodplain development, including this request, and for ensuring that necessary permits required by Federal or State law have been received. With knowledge of local conditions and in the interest of safety, State and community officials may set higher standards for construction, or may limit development in floodplain areas. If the State of Colorado or your community has adopted more restrictive or comprehensive floodplain management criteria, these criteria take precedence. The basis of this LOMR is, in whole or in part, a channel-modification/culvert project. NFIP regulations, as cited in Paragraph 60.3(b)(7), require that communities assure that the flood-carrying capacity within the altered or relocated portion of any watercourse is maintained. This provision is incorporated into your community's existing floodplain management regulations. Consequently, the ultimate responsibility for maintenance of the channel modification/culvert rests with your community. The map panel as listed above and as revised by this letter will be used for all flood insurance policies and renewals issued for your community.