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I I I I I I Flood Mitil!ation Tools Flood hazard mitigation tools can be developed before, during or after a flood event. In this program they are to be directed primarily at pre-disaster flood hazard areas. Mitigation tools are characterized into two broad categories: non-structural flood hazard mitigation tools and structural flood hazard mitigation tools. The CWCB encourages the use of non-structural flood hazard mitigation tools wherever feasible. However, it is realized that many times structural activities are the only viable options and should be accorded equal attention, A. Non-Struetural Flood Hazard Mitigation Tools Flood Insurance There are three types of insurance one should investigate in order to reduce uninsured losses from floods. I I I, National Flood Insurance: This is a federally-subsidized program that is available to any property owner residing in a community participating in the National Flood Insurance Program (NFlP), whelher or not the structure is located in an identified flood hazard area on a community's Flood Insurance Rate Map (FIRM). Insurance is sold through private insurance agents. The NFIP is based on an agreement between local Colorado communities and the federal government. The community agrees to implement measures to reduce future flood risk to new construction and substantial improvements in identified Special Flood Hazard Areas as mapped by FEMA on a community's FIRM. Then, FEMA makes flood insurance available within the community as a financial protection against flood losses which occur. The insurance is designed to provide an alternative to disaster assistance to meet the escalating costs associated with the repair of structures and replacement of contents when they are damaged by a flood event. I I I 2. Sewer Backup Insurance: This will cover water damage to a structure and contents when sewer lines back up. It is a commercial insurance policy and details will vary from company to company. I 3. Sump Pump Insurance: Several companies will insure for damages caused if a sump fails. Check several companies to see if they carry it and what the policy covers. i I I I I ,I I I Open Spaee Policies I. The Bent County Commission, on Resolution which reads as follows: 16 November. 2000 , adopted a new County "Floodplain lands and adjacent waters combine to form a complex, dynamic physical and biological system that supports a multitude of water resources, living resources and societal resources. Floodplains provide Bent County with natural flood and erosion control, water- filtering processes, and a wide variety of habitats for flora and fauna, places for recreation, scientific study and historic and archeological sites. They are also the locus of a variety of human activities, including commerce, agriculture, residence and infrastructure. Hereafter it is County Policy that preservation and enhancement of these natural aod beneficial values of floodplains be a priority in land use decision making. JPAGE 0140