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5.0 INSURANCE APPLICATION For flood insurance rating purposes, flood insurance zone designations are assigned to a community basep on the results of the engineering analyses. These zones are as follQws: Zone A Zone A is the flood insurance rate zone that corresponds to the 100-year floodplains that are determined in the Flood Insurance Study by approximate methods'. Because detailed hydraulic analyses are not performed for such areas, no base flood elevations (BFEs) or depths are shown within this zone. Zone AE Zone AE is the flood insurance rate zone that corresponds to the 100-year floodplains that ar'e determined on the Flood Insurance Study by detailed methods. Whole-foot BFEs derived from the detailed hydraulic analyses are shown at selected intervals within this zone. Zone X Zone X is the flood insurance rate zone that corresponds to areas outside the 500-year floo4plain, areas within the 500-year floodplain, areas of 100-year flooding where average depths are less than 1 foot, areas of 100-year flooding where the contributing drainage area is less than 1 square mile, and areas protected from the 100-year flood by levees. No BFEs or depths are shown within this zone. 6.0 FLOOD INSURANCE RATE MAP The FIRM is designed for flood insurance and floodplain management applications. For flood insurance applications, the map designates flood insurance rate zones as described in Section] 5.0 and, in the 100-year floodplains that were studied by detailed me~hods, shows selected whole-foot BFEs or average depths. Insurance rgents use the zones and BFEs in conjunction with information on structures and their contents to assign premium rates for flood insurance p'olicies. . For floodplain management applications, the map shows by tints, screens, and symbols, the 100- and 500-year floodplains, floodways, and the locations of selected cross sections used in the hydraulic analyses and floodway computations. ' 16