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<br />One reach meeting the above criterion was required for the flooding <br />source of Bayfield. This included one reach for Los Pinos River. <br />The location of the reach is shown on the Flood Profiles (Exhibit 1). <br /> <br />5.2 Flood Hazard Factors <br /> <br />The Flood Hazard Factor (FHF) is the Federal Insurance Administration <br />device used to correlate flood information with insurance rate <br />tables. Correlations between property damage from floods and their <br />FHF are used to set actuarial insurance premium rate tables based on <br />FHFs from 005 to 200. <br /> <br />The FHF for a reach is the average weighted difference between the <br />10- and IOO-year flood water-surface elevations expressed to the <br />nearest one-half foot, and shown as a three-digit code. For example, <br />if the difference between water-surface elevations of the 10- and <br />100-year floods is 0.7 foot, the FHF is 005; if the difference is 1.4 <br />feet, the FHF is 015; if the difference is 5.0 feet, the FHF is 050. <br />When the difference between the 10- and lOa-year water-surface eleva- <br />tions is greater than 10.0 feet, accuracy for the FHF is to the <br />nearest foot. <br /> <br />5.3 Flood Insurance Zones <br /> <br />After the determination of reaches and their respective Flood Hazard <br />Factors, the entire incorporated area of the Town of Bayfield was <br />divided into zones, each having a specific flood potential or hazard. <br />Each zone was assigned one of the following flood insurance zone <br />designations: <br /> <br />Zone A3: <br /> <br />Special Flood Hazard Areas inundated by <br />the 100-year flood, determined by <br />detailed methods; base flood elevations <br />shown, and zones subdivided according <br />to Flood Hazard Factors. <br /> <br />Zone B: <br /> <br />Areas between the Special Flood Hazard <br />Areas and the limits of the SOG-year <br />flood, including areas of the 500-year <br />flood plain that are protected from the <br />100-year flood by dike, levee, or other <br />water control structure; also areas <br />subject to certain types of 100-year <br />shallow flooding where depths are less <br />than 1.0 foot; and areas subject to <br />100-year flooding from sources with <br />drainage areas less than I square mile. <br />Zone B is not subdivided. <br /> <br />Zone c: <br /> <br />Areas of minimal flooding. <br /> <br />10 <br />