The areas of special flood hazards are identified by FEMA in a specific engineering report entitled “The Flood Insurance Rate Study for San Miguel County, Colorado and Incorporated Areas,” dated September 30, 1992, with an accompanying Flood Insurance Rate Map (FIRM) dated September 30, 1992, as amended by FEMA Letter of Map Revision (“LOMAR”) dated February 10, 2006. The Flood Insurance Study and Rate Map are hereby adopted and incorporated herein by reference.