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<br />5.0 INSURANCE APPLICATION <br /> <br />For flood insurance rating purposes, flood insurance zone designations <br />are assigned to a community based on the results of the engineering <br />analyses. These zones are as follows: <br /> <br />Zone A <br /> <br />Zone A is the flood lnsurance rate zone that corresponds to the <br />100-year floodplains that are determined in the Flood Insurance <br />Study by approximate methods. Because detailed hydraulic analyses <br />are not performed for such areas, no base flood elevations or <br />depths are shown within this zone. <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 <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 lnsurance rate zone that corresponds to areas <br />outside the SOO-year floodplain, areas within 500-year floodplain, <br />areas of 100-year flooding where average depths are less than 1 <br />foot, areas of 100-year flooding where the contributing drainage <br />area is less than 1 square mile, and areas protected from the 100- <br />year flood by levees. No base flood elevations or depths are shown <br />within this zone. <br /> <br />6.0 FLOOD INSURANCE RATE MAP <br /> <br />The Flood Insurance Rate Map is designed for flood insurance and <br />floodplain management applications. <br /> <br />For flood insurance applications, the map designates flood insurance <br />rate zones as described in Section 5.0 and, in the 100-year floodplains <br />that were studied by detai led methods, shows selected whole-foot base <br />flood elevations or average depths. Insurance agents use the zones and <br />base flood elevations in conjunction with information on structures and <br />their contents to assign premium rates for flood insurance policies. <br /> <br />For floodplain management applications, the map shows by tints, screens, <br />and symbols, the 100- and 500-year floodplains, the floodways, and the <br />locations of selected cross sections used in the hydraulic analyses and <br />f100dway computations. <br /> <br />16 <br />