FLOOD07275

• County: Costilla
• Community: Costilla County
• Stream Name: Trinchera Creek, Costilla Creek
• Basin: Rio Grande
• Title: Floodplain Information Report
• Date: 3/1/1994
• Prepared For: Costilla County
• Prepared By: CWCB
• Contract/PO #: &&
• Floodplain - Doc Type: Floodplain Report/Masterplan

The National f'lood Insurance Program (NFIP) is a federal
government pro'lram that enable~ property owner to buy flood
insurance at reasonable cost. In return. communities are
cequired to implement floodplain management measures to protect
lives and new construction from future flooding. Flood
insurance may be purchasecl from any insurance a'lent provided
the community where the property is located i~ participating in
the program. The status Of participation in the NFIP for the
communities in the study reach is summarized in Table 9.

TABL~ 9. Status of Participation in the NFIP

Comml!nitv

There are two "layers" of coverage. the Emergency Phase and
the Regular Phase. Resiclents Of communitie~ participating in
the Emergency Phase may purchase up to $35.00 of flood
insurance coverage on each single family structure. Residents
of communities participating in the Regular Phase may purchase
up to an additional $150.000 of coverage, for a total of
$lB5.000 Of coverage on each single family structure. Coverage
for other resiclential structures. for non-residential
structures. and for contents is also available.

CostillA
San Luis
Blanca

County

PhAse

E.rnergency
Regular
Not Participating

The rate you pay depends on the type of structure ancl the
insurance zone it is located in. The insurance zones (A. AO.
and X, for example) are determined by the degree Of the
hazard. Table 10 provides some NFIP rate information.

TABLe 10. Selected NFIP Rates
(Cost per $100 per year) Effective 1/1/8S

For example. $90.000 of coverage for flood damage to the
structure only for a single family residential structure with a
basement woulcl have an annual premium of $286 ($192.50 for the
first $35.000 of coverage and $93.50 for the additional $55.000
of covera'le).

Type of Structure

Residential
Single Family
no basement
with basement
2_4 r'amily
no basement
with basement
Mobile Horne
Other Residential
n<,) basement
With basement
Non-residential
n<;> basement
wlth basement

Following designation and approval of this report. Costilla
County may request the f'ederal Ep,ergency Management Agency to
use the results of this stUdy to prepare a Flood Insuranc~
Study for the county.

Structure Contents
Basic Addttional Basic Additional

$0.55 $0.17 $0.65 $0. ~O
0.60 0.30 0.65 0.30
0.55 0.17 . .
0.60 0.30 . .
0.55 0.17 0.65 0.20
0.55 0.35 . .
0.60 0.35 . .
0.65 0.30 . .
0.70 0.35 . .

..

Insura~ce rates for contents in these st~uctures vary
accordln~ to where the conte~~s are located.

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