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<br />5.0 INSURANCE APPUCATION <br /> <br />For flood insurance rating purposes, flood insurance zone designations are assigned to a <br />community based on the results of the engineering analyses. These zones are as follows: <br /> <br />Zone A <br /> <br />Zone A is the flood insurance rate zone that corresponds to the loo-year floodplains that are <br />determined in the Flood Insurance Study by approximate methods. Because detailed hydraulic <br />analyses are not performed for such areas, no base (loo-year) flood elevations (BFEs) or depths <br />are shown within this zone. <br /> <br />Zone AE <br /> <br />Zone AE is the flood insurance rate zone that corresponds to the Ioo-year floodplains that are <br />determined in the Flood Insurance Study by delailed methods. Whole-foot BFEs derived from <br />the detailed hydraulic analyses are shown at selected intervals within this zone. <br /> <br />Zone AH <br /> <br />Zone AH is the flood insurance rate zone that corresponds to the areas of loo-year shallow <br />flooding (usually areas of ponding) where average depths are between I and 3 feet. Whole-foot <br />BFEs derived from the detailed hydraulic analyses are shown at selected intervals within this <br />zone. <br /> <br />Zone AO <br /> <br />Zone AO is the flood insurance rate zone that corresponds to the areas of loo-year shallow <br />flooding (usually sheet flow on sloping terrain) where average depths are between I and 3 feet. <br />Average whole-foot depths derived from the delailed hydraulic analyses are shown within this <br />zone. <br /> <br />Zone X <br /> <br />Zone X is the flood insurance rate zone that corresponds to areas outside the 5oo-year floodplain, <br />areas within the 50D-year floodplain, areas of loo-year flooding where average depths are less <br />than 1 foot, areas of loo-year flooding where the contributing drainage area is less than 1 square <br />mile, and areas protected from the lOO-year flood by levees. No BFEs or depths are shown <br />within this zone. <br /> <br />6.0 FLOOD INSURANCE RATE MAP <br /> <br />The Flood Insurance Rate Map (Exhibit 2) is designed for flood insurance and floodplain <br />management applications. <br /> <br />For flood insurance applications, the map designates flood insurance rate zones as described in <br />Section 5.0 and, in the loo-year floodplains that were studied by detailed methods, shows selected <br />whole-foot BPEs or average depths. Insurance agents use the zones and BFEs in conjunction with <br />information on structures and their contents to assign premium rates for flood insurance poiicies. <br /> <br />32 <br />