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5.0 INSURANCE APPLICATION <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 /> Zone A <br /> Zone A is the flood insurance rate zone that corresponds to the 1% A.C. floodplains that <br /> are determined in the Flood Insurance Study by approximate methods. Because detailed <br /> hydraulic analyses are not performed for such areas, no base flood elevations or depths <br /> are shown within this zone. <br /> Zone AE <br /> Zone AE is the flood insurance rate zone that corresponds to the 1%A.C. floodplains that <br /> are determined in the F1S by detailed methods. In most instances, whole-foot base flood <br /> elevations derived from the detailed hydraulic analyses are shown at selected intervals <br /> within this zone. <br /> Zone AO <br /> Zone AO is the flood insurance rate zone that corresponds to the areas of 1% A.C. <br /> shallow flooding (usually sheet flow on sloping terrain) where average depths are <br /> between 1 and 3 feet. Average whole-foot depths derived from the detailed hydraulic <br /> analyses are shown within this zone. <br /> Zone X <br /> Zone X is the flood insurance rate zone that corresponds to areas outside the 0.2% A.C. <br /> floodplain, areas within the 0.2% A.C. floodplain, areas of 1% A.C. flooding where <br /> average depths are less than 1 foot, areas of 1% A.C. flooding where the contributing <br /> drainage area is less than 1 square mile, and areas protected from the 1% A.C. flood by <br /> levees. No base flood elevations or depths are shown within this zone. <br /> 6.0 FLOOD INSURANCE RATE MAP <br /> The FIRM is designed for flood insurance and floodplain management applications. <br /> For flood insurance applications, the map designates flood insurance rate zones described <br /> in Section 5.0 and, in the 1% A.C. floodplains that were studied by detailed methods, <br /> shows selected whole-foot base flood elevations or average depths. Insurance agents use <br /> the zones and base flood elevations in conjunction with information on structures and <br /> their contents to assign premium rates for flood insurance policies. <br /> For floodplain management applications, the map shows by tints, screens, and symbols, <br /> the 1%-and 0.2%-A.C. and the locations of selected cross sections used in the hydraulic <br /> analysis. <br /> 18 <br />