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<br />One reach meeting the above criterion was required for the South <br />Platte River, the only flooding source of Fort Lupton. The location <br />of the reach is shown on the Flood Profiles (Exhibit 1). <br /> <br />5.2 Flood Hazard Factors <br /> <br />The Flood Hazard Factor (FHF) is the Federal Insurance Administration <br />device used to correlate flood information with insurance rate <br />tables. Correlations between property damage from floods and their <br />FHF are used to set actuarial insurance premium rate tables based on <br />FHFs from 005 to 200. <br /> <br />The FHF for a reach is the average weighted difference between the <br />10- and lOa-year flood water-surface elevations expressed to the <br />nearest one-half foot, and shown as a three-digit code. For example, <br />if the difference between wate~-surface elevations of the 10- and <br />lOa-year floods is 0.7 foot, the FHF is 005; if the difference is <br />1.4 feet, the FHF is 015; if the difference is 5.0 feet, the FHF is <br />050. When the difference between the 10- and lOa-year water-surface <br />elevations is greater than 10.0 feet, accuracy for the FHF is to the <br />nearest foot. <br /> <br />5.3 Flood Insurance Zones <br /> <br />After the determination of reaches and their respective Flood <br />Hazard Factors, the entire incorporated area of the Town of Fort <br />Lupton was divided into zones, each having a specific flood potential <br />or hazard. Each zone was assigned one of the following flood <br />insurance zone designations: <br /> <br />Zone A: <br /> <br />Special Flood Hazard Areas inundated by <br />the lOa-year flood, determined by <br />approximate methods; no base flood <br />elevations shown or Flood Hazard Factors <br />determined. <br /> <br />Zone Al: <br /> <br />Special Flood Hazard Areas .inundated by <br />the lOa-year flood, determined by <br />detailed methods; base flood elevations <br />shown, and zones subdivided according <br />to Flood Hazard Factors. <br /> <br />Zone B: <br /> <br />Areas between the Special Flood Hazard <br />Areas and the limits of the 500-year <br />flood, including areas of the SOD-year, <br />flood plain that are protected from the <br />lOa-year flood by dike, levee, or other <br />water control structure; also areas <br />subject to certain types of lOa-year <br /> <br />10 <br />