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<br />I- <br /> <br />100-YEAR FLOOD PLAIN <br /> <br />-I <br /> <br />FLOOOWAV <br />FRINGE <br /> <br /> <br />FLOOOWAV <br /> <br />FlOODWA Y <br />FRINGE <br /> <br />STREAM <br />CHANNEL <br /> <br />FLOOD ELEVATION WHEN <br />CONFINED WITHIN FLOODWAV <br /> <br /> <br />AREA OF FLOOD PLAIN THAT COULD <br />BE USED FOR DEVELOPMENT BY <br />RAISING GROUND <br /> <br />LINE AB IS THE FLOOD ELEVATION BEFORE ENCROACHMENT. <br />LINE CD IS THE FLOOD ELEVATION AFTER ENCROACHMENT. <br />.SURCHAAGE ISNOTTO Exceeo 1.0 FOOT (FEMA REQUIREMENT) OR LESSER AMOUNT IF SPECIFIED BY STATE. <br /> <br />Figure 2. Floodway Schematic <br /> <br />5.0 INSURANCE APPLICATION <br /> <br />In order to establish actuarial insurance rates, the Federal Emergency <br />Management Agency has developed a process to transform the data from <br />the engineering study into flood insurance criteria. This process includes <br />the determination of reaches, Flood Hazard Factors (FHFs), and flood <br />insurance zone designations for each flooding source studied in detail <br />affecting Collbran. <br /> <br />5.1 Reach Determinations <br /> <br />Reaches are defined as lengths of watercourses having relatively <br />the same flood hazard, based on the average weighted difference <br />in water-surface elevations between the 10- and lOa-year floods. <br />This difference does not have a variation greater than that indicated <br />in the following table for more than 20 percent of the reach: <br /> <br />12 <br />