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<br />S.O INSURANCE APPLICATION <br /> <br />load insurance rating purposes ~ flood 1 ncmr::lnrp 7.nnp np~, ~n;ltl on~ <br />are assigned to a community based on the results of the engineering <br />analyses. These zones are as -follows: <br /> <br />Zone AE <br /> <br />Zone AE is the flood insurance rate zone that corresponds to the <br />100-year floodplains that are determined in the Flood Insurance <br />Study by detailed methods. Whole-foot base flood elevations (BFEs) <br />derived from 'the detailed hydraulic analyses are shown at selected <br />intervals within this zone. <br /> <br />Zone X <br /> <br />Zone X is the flood insurance rate zone that corresponds to areas <br />outside the SOO-year floodplain, areas within the SOO-year <br />floodplain, areas of 100-year flooding where average depths are less <br />than 1 foot, areas of lOa-year flooding where the contributing <br />drainage area is less than 1 square mile, and areas protected from <br />the laO-year flood by levees. No BFEs or depths are shown within <br />this zone. <br /> <br />6.0 FLOOD INSURANCE RATE MAP <br /> <br />The FIRM is designed for flood insurance and floodplain management <br />applications. <br /> <br />For flood insurance applications, the map designates flood insurance rate <br />zones as described in Section S.O and, in the 100-yearfloodplains that <br />were studied by detailed methods, shows selected whole-foot BFEs or <br />average depths. Insurance agents use the zones and BFEs in conjunction <br />with information on structures and their contents to assign premium rates <br />for flood-"insurancepolicies1""-"--" ___~_n___ _ ------- <br /> <br />For floodplain management applications, the map shows by tints, screens, <br />and symbols, the 100- and SOO-year floodplains, the floodways, and the <br />locations of selected cross sections used in the_ hydraulic analyses and <br />floodway computations. <br /> <br />7.0 OTHER STUDIES <br /> <br />In May 1977, the COE completed a flood hazard study of the Animas River <br />and Junction and Dry Gulch Creeks (Reference 2). The results of this <br />study were reviewed by the study contractor and adopted for this Flood <br />Insurance Study, except the reach of the Animas River between Main Avenue <br />and the Denver and Rio Grande Western Railroad bridge. The hydraulic <br />analysis for this reach was reanalyzed based on field inspection, with <br />the assumption that the dike at the south bank of the Animas River would <br />be unstable when overbank flow occurs. <br /> <br />14 <br />