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~bserYations dnd Recommendaticns The 100-year frequency flood has been selected by the State of Colorado as the flood event to be used for flood plain delineation and regulation. Throughout the Town of Lake City, the 100-year flood appears to be fairly well contained in recognized stream channels from the standpoint of differences In elevation betlOeenflood level and bank top. It snouldbe pOinted out, however, that the erosive forces that accompany a flood of this magnitude could potentially break through built up channel banKS and reach the relatively low lying, populated areas beyond them. During the last several decades, the Town and County have diligently and continuously 100rked to keep the channels clear of debris and potential debris (such as dead trees still standing along the banks). The banks have been re. fortified with heavy riprap almost annually as high spring waters tend to erode them. These efforts have undoubtedly helped to control flood waters and prevent potentially substantial damage. In spite of the substantial effort to build up banks or dikes, several low or weak points were observed along the Lake Fork of the Gunnison River and Menson Creek through the town of Lake City. During a 100.year flood flow, the downtown area of Lake City could be in jeopardy from Henson Creek. and populated area east of Henson Street would be in danger from erosive effects of the Lake Fork. rtisreCOJnTle,nctedthatdikesbeimprovedinconsistencyandqualityto help protect these areas more fully. Generally an effective dike is considered to have a 3-foot freeboard with an 8 to 10 foot top width and 3:1 side slopes. Riprapshouldbe24"thick,withanadeQUatetoetrench,andshould extend to within 1 foot of the top. Also. in the very steep and narrow channel upstream of the study reach on Henson Creek, continuing efforts to maintain a channel clear of debris and overbanks clear of dead trees are essential to protect the town against catastrophic flood damage. Flood Insurance The National Flood Insurance Program is a Federal program that enables property owners to buy flood insurance at a reasonable, subsidiZed cost. In return, communities are required to carry out floodplain management measures to protect li~es and new construction from future flooding. Flood insurance through the National Flood lnsurance Program is available to all residents of the Town of Lake City under the Emergency Phase of tha Program. Th~ following amounts at the subsidized rates are available under the Emergency Phase: Subsidized Total Amount Rate per $100 Available of Coverage Single Family Residential $ 35.000 $ .45 Other Residential 100,000 .45 Contents, Residential 10,000 .55 SrnallBusiness 100,000 .55 Contents,SrnatlBusiness 100,000 1.05 Other Non-Residential 100,000 .55 Contents, Other Non.Residential 100,000 1.05 Fallowing completion of this study, the Town of Lake City may request to be converted from the Emergency Phase to the Regular Phase through the "special conversion provision" of the program. At that time, substantially increased flood insurance CQverage will be available. Allpropertyownerssho,"" in this study to be within areas subject to flooding should consider the purchase of flood insurance. Additional information on the Flood Insurance Program is available from local insurance agents or brokers and the: COMMUNITY INFORMATION: AGOlT & BROKER INFORMATION Federal Emergency Management Agency Mr. Jim Quinn Natural and Technological Hazards Div. Comouter Sciences Corporation Bldg. 710, Denver Federal Center 2801 Youngfield Box 25267 Suite 320 Denver, CO 80225-0267 Golden,CO 80401 Telephone: 235.4830 Teleonone: 231-9911 27 25