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5.0 INSURANCE APPLICATION For flood insurance rating purposes, flood insurance zone designations are assigned to a community based on the results of the engineering analyses. These zones are as follows: Zone AE Zone AE is the flood insurance rate zone that corresponds to the lOa-year floodplains that are determined in the Flood Insurance Study by detailed methods. In most instances, whole-foot base flood elevations (BFEs) derived from the detailed hydraulic analyses are shown at selected intervals within this zone. Zone AO Zone AO is the flood insurance rate zone that corresponds to the areas of lOa-year shallow flooding (usually sheet flow on sloping terrain) where average depths are between I and 3 feet. Average whole-foot depths derived from the detailed hydraulic analyses are shown within this zone. Zone X Zone X is the flood insurance rate zone that corresponds to areas outside the SOO-year floodplain, areas within SOO-year flood- plain, areas of lOa-year flooding where average depths are less than I foot, areas of lOa-year flooding where the contributing drainage area is less than I square mile, and areas protected from the lOa-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 FIRM designates flood insurance rate zones as described in Section 5.0 and, in the lOa-year floodplains that were studied by detailed methods, shows selected whole-foot BFEs or average depths. Insurance agents use the zones and BFEs in conjunction with information on structures and their contents to assign premium rates for flood insurance policies. For floodplain management applications, the FIRM shows by tints, screens, and symbols, the lOa-year floodplain, and the location of selected cross sections used in the hydraulic analysis. 8