Which of the following does NOT help determine flood insurance rates?

In the context of flood insurance rates, simple flood definitions do not directly influence the calculation of rates. Flood insurance premiums are typically based on more specific data, such as the elevation of the property above sea level, which helps assess the potential risk of flooding. Additionally, flood zone designation provides vital information on the likelihood of flooding in a particular area, helping insurers to set appropriate rates based on the risk level associated with that zone. Historical flood data informs insurers about past flooding events, which can help in evaluating the risk and calculating premiums.

In contrast, simple flood definitions provide a broad understanding of what constitutes a flood but do not offer the detailed, quantitative data necessary for determining rates. It is this detailed information about the property and its environment that plays a crucial role in setting up flood insurance policies and pricing them appropriately.