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<br />COMMUNITY IDENTIFICATION
<br />
<br />A. Federal Role
<br />The National Flood Insurance Act of 1968 was enacted by Title XIII
<br />of the HoUSin9 and Urban Development Act of 1968 (Public Law 90-
<br />448, AU9ust 1, 1968) to provide previously unavailable flood insurance
<br />protection to property owners in flood-prone areas, The Act provides
<br />that flood insurance shall not be sold or renewed under the program
<br />within a community, unless the community has adopted adequate flood-
<br />plain management regulations consistent with federal criteria,
<br />In all cases the minimum requirements governing the adequacy of
<br />floodplain management regulations for flood prone areas depend upon
<br />the amount of technical data provided to the community by the Federal
<br />Emergency Management Agency (FEMA), The National Flood Insurance
<br />Program (NFIP) regulations are set forth in CFR 44 Parts 59-78,
<br />
<br />B. Generalized NFIP Community Categories
<br />Basically, communities fall into three categories which are deter-
<br />mined by the level of flood identification (mapping) which exists for the
<br />community, As set torth in the Federal Register 46968, October 26,
<br />1976, these categories presently correspond to Section 60,3b (Category
<br />1); Section 60,3c (Category 2); and Section 60,3d (Category 3),
<br />Category 1 - Communities which have flood hazards identified
<br />(mapped) by approximate engineering methods, Essentially, the flood
<br />hazard has not been specifically defined, water surface elevation
<br />data has not been provided and a floodway has not been Identified,
<br />The community has, however, indicated the presence of such
<br />hazards by submitting an application to participate in the National
<br />Flood Insurance Program (NFIP),
<br />Most communities that fall into this category participate in the
<br />Emergency Phase of the NFIP, Presently, there Is a concerted eftort
<br />by FEMA with assistance trom the Colorado Water Conservation
<br />Board to convert all of Colorado's Emergency Phase communities
<br />into the Regular Phase of the NFIP by September 30, 1991,
<br />Category 2 - Communities which have flood hazards identified
<br />(mapped) by detailed engineering methods, Water surface elevations
<br />have been provided but a floodway has not been identified,
<br />Category 3 - Communities which have flood hazards identified
<br />(mapped) by detailed engineering methods, Water surface elevations
<br />have been provided and a flood way has been identified,
<br />
<br />C. Floodplain Permitting Responsibilities
<br />In the case of all three categories, a community must require permits
<br />for all proposed construction and other development, including place,
<br />ment of manufactured (formerly mobile) homes, so that it may determine
<br />whether such construction or other development is proposed within
<br />floodprone areas, All permits must be reviewed to determine whether
<br />proposed building sites will be reasonably safe from flooding,
<br />The following NFIP Administrative Procedures Manual identifies the
<br />process and procedures a local floodplain administrator should follow to
<br />maintain eligibility for participating in the National Flood Insurance Pro'
<br />gram (NFIP),The procedures apply to all communities, However, the
<br />degree of sophistication by which a local floodplain management pro-
<br />gram is administered will vary depending upon the level of identification
<br />(mapping) tor a given community,
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