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(77) Zone B,C,and X means areas identified in the community as areas of moderate or <br /> minimal hazard from the principal source of flood in the area. However, buildings <br /> in these zones could be flooded by severe, concentrated rainfall coupled with <br /> inadequate local drainage systems. Flood insurance is available in participating <br /> communities but is not required by regulation in these zones. (Zone X is used on <br /> new and revised maps in place of Zones B and C). <br /> Section 21-12.03. General Provisions <br /> (1) Lands to Which This Floodplain Regulations Article Applies. This Article shall <br /> apply to all SFHAs and known flood prone areas within the jurisdiction of the <br /> City of South Bend, Indiana. <br /> (2) Basis for Establishing Regulatory Flood Data. This Article's protection standard is <br /> the regulatory flood. The best available regulatory flood data is set forth as <br /> follows: <br /> (A) The regulatory flood elevation, floodway, and fringe limits for the studied <br /> SFHAs within the jurisdiction of the City of South Bend, Indiana shall be as <br /> delineated on the one-percent annual chance flood profiles in the Flood <br /> Insurance Study of St. Joseph County, Indiana and Incorporated Areas dated <br /> January 6, 2011 and the corresponding Flood Insurance Rate Map dated <br /> January 6, 2011 as well as any future updates, amendments, or revisions, <br /> prepared by the Federal Emergency Management Agency with the most <br /> recent date. <br /> (B) The regulatory flood elevation, floodway, and fringe limits for each of the <br /> SFHAs within the jurisdiction of the City of South Bend, Indiana, delineated <br /> as an "A Zone" on the St. Joseph County, Indiana and Incorporated Areas <br /> Flood Insurance Rate Map dated January 6, 2011 as well as any future <br /> updates, amendments, or revisions,prepared by the Federal Emergency <br /> Management Agency with the most recent date, shall be according to the best <br /> data available as provided by the Indiana Department of Natural Resources; <br /> provided the upstream drainage area from the subject site is greater than one <br /> square mile. Whenever a party disagrees with the best available data, the party <br /> needs to replace existing data with better data that meets current engineering <br /> standards. To be considered,this data must be submitted to the Indiana <br /> Department of Natural Resources for review and subsequently approved. <br /> (C) In the absence of a published FEMA map, or absence of identification on a <br /> FEMA map,the regulatory flood elevation, floodway, and fringe limits of any <br /> watercourse in the community's known flood prone areas shall be according <br /> to the best data available as provided by the Indiana Department of Natural <br /> Resources; provided the upstream drainage area from the subject site is <br /> greater than one square mile. <br />