FLOOD08745

• County: Statewide
• Community: Statewide
• Basin: Statewide
• Title: Colorado Flood Hazard Mitigation Plan
• Date: 12/1/1999
• Prepared For: State of Colorado
• Prepared By: Kistner and Associates
• Floodplain - Doc Type: Flood Mitigation/Flood Warning/Watershed Restoration

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Colorado Flood Hazard Mitigation Plan -1999

Mapping

1. What II the role of the locII community In Itl
flood hazard study and mapping procesl?

Before the flood hazard study is initiated, FEMA
considers all available existing infonnation for use
in the study. Public meetngs may be conducted
allowing interested parties to present relevant facts
to help ensure accurate results. FEMA also works
closely with each community's officials before and
during the study to describe the technical proce-
dures and to obtain community input before publ;..
caton of the Flood Insurance Study (FIS) and Flood
Insurance Rate Map (FIRM). Before the FIS is
started, community officials, FEMA representatives,
and the study contractor meet to discuss the areas
in the community that need to be studied. This is
called the time and cost estimate meeting.

2. How are the flood hazard areas and flood levels
determined?
Flood hazard areas are determined using statstical
analyses a records a river flow, storm tides, and
rainfall; information obtained through consuttation
with the community; floodplain topographic surveys;
and hydrologic and hydraulic analysis. The detailed
FIS covers those areas subject to flooding from riv.
ers and streams, along coastal areas and lake-
shores, or in shallow flooding areas, but do not in-
clude areas of less than one square mile.

Although FEMA may issue a LOMA, rt is the lending
inst~ution's prerogative to require flood insurance
as a cond~ion of ~s own beyond the provisions a
the Flood Disaster Protection Ad of 1973 before
granting a loan or mortgage. Those seeking a
LOMA should first confer with the affected lending
instrtution to determine whether the institution will
waive the requirements for flood insurance if a
LOMA is issued. ~ the lender accepts the LOMA,
the policyholder may cancel the flood insurance
coverage and obtain a premium refund.

Appendix C. 1

'212"" 82SOllAM