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selected is based on existing legal, economic, political and hydraulic factors. The floodway was evaluated to determine the t effects of possible future floodplain encroachment. The designated { floodways meet applicable land use standards of both the Minnesota Department of Natural Resources and the Federal Insurance Administration. The results of these computations are tabulated for the unnamed tibutary to Stubb's Bay (Table 2). The floodway boundaries are shown on the Floodway Boundary and Floodway Map (Exhibit 8). The area between the floodway and the boundary of the 100 -year flood is termed the flood fringe. The flood fringe thus encompasses the portion of the floodplain that could be completely obstructed without increasing the water surface elevation of the 100 -year f- )d more than one-half foot at any point. Typical relationships between the floodway and the flood fringe and their significance to floodplain development are shown in Figure 6. Because the current floodway definition does not apply to lakes. a floodway was not evaluated in. -areas such as those that may be 4.2 . inundated by flood waters from Lake Minnetonka, the area at Chevy Chase Drive, the ponds east of French Lake, and the Carman Bay area. Thus, no floodway was Fre-erect For the area along the shoreline of Lake Minnetonka, the area at Chevy Chase Drive, the ponds east of French Lake, and the Carman Bay area where flooding results from high lake levels rather than from high stream flow. Devel- opment in these areas are regulated by Minnesota Shoreland Regulations (Reference 20). 5.0 INSURANCE APPLICATION The Federal Insurance Administration has developed a process to trans- form the data from the engineering study into flood insurance criteria to establish actuarial insurance rates. This process includes the determination of reaches, Flood Hazard Factors, and flood insurance zone designations for each flooding source affecting the City of Orono. 18