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~ I The Board's model flood plain regulations offer two options for management of the 100-year flood plain. These are the Hazard Area Concept and the Floodway Concept. The Hazard Area Concept defines the areaS of the flood plain in which waters of the lOO-year flood attain a maximum depth greater than one and one-half feet as a high hazard area, and a depth less than this as a low hazard area. The Floodway Concept defines the channel of a stream and adjacent flood plain areas that must be kept free of development in order to safely pass the 100-year flood with a minimal rise in the water surface elevation. The rise must be no more than one foot to meet the federal standards. E. Flood Insurance The National ~lood Insurance Act of 1968 (Title XIII of the Housing and Urban Development Act, P.L. 90-448) recognized the necessity for flood plain management. This Act makes federally subsidized insurance available to citizens in communities that adopt regulations controlling future developments of their flood plain. With respect to encroachment on the flood plain, the regulations require: 1. New residential construction or substantial improvement of existing homes must have the lowest floor level at or above the elevation of the lOO-year flood. 2. Non-residential construction must meet the same standard or be flood proofed to that level. The 1968 Act benefits owners of structures already in the flood-prone areas by providing insurance coverage that had been unavailable through private companies. The Act created a cooperative program of insurance against flood damage by the private flood insurance industry and the federal government. The amount of coverage available and the premium rate varies considerably depending on property location within the flood plain and the property value. All property owners shown in this study to be within areas subject to flooding should consider the purchase of flood insurance. Additional information on the Flood Insurance Program is available from local insurance agents, brokers, or FEMA at the following address: Federal Emergency Management Agency, Region VIII Natural and Technological Hazard Division Denver Federal Center, Building 710 Denver, CO 80225 Telephone: 235-4830 The National ~lood Insurance Program used the ~loodway Concept in its rate studies for communities participating in the regular phase of the program. F. Flood Warnina and Flood Forecastina System The National Oceanic and Atmospheric Administration (NOAA) through its National Weather Service Agency (NWS) , maintains year-round surveillance 13