Definitions. As used in this subsection, the following terms shall
have the meanings indicated:
AREA OF SPECIAL FLOOD HAZARD
Land in the floodplain within a community subject to a one-percent
or greater chance of flooding in any given year. The area may be designated
as Zone A, AO, AH, A1-30, AE, A99, V1-30, VE, or V.
BASE FLOOD
The flood having a one-percent chance of being equaled or
exceeded in any given year.
DEVELOPMENT
Any man-made change to improved or unimproved real estate,
including but not limited to buildings or other structures, mining,
dredging, filling, grading, paving, excavation or drilling operations.
FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA)
Administers the National Flood Insurance Program. FEMA provides
a nationwide flood hazard area mapping study program for communities
as well as regulatory standards for development in the flood hazard
areas.
FLOOD BOUNDARY AND FLOODWAY MAP
An official map of a community issued by FEMA that depicts,
based on detailed analyses, the boundaries of the one-hundred-year
and five-hundred-year floods and the one-hundred-year floodway. (For
maps done in 1987 and later, the floodway designation is included
on the FIRM.)
FLOOD HAZARD BOUNDARY MAP (FHBM)
An official map of a community issued by FEMA where the boundaries
of the flood and related erosion areas having special hazards have
been designated as Zone A or E.
FLOOD INSURANCE RATE MAP (FIRM)
An official map of a community on which FEMA has delineated
both the areas of special flood hazard and the risk premium zones
applicable to the community.
FLOOD INSURANCE STUDY
An examination, evaluation, and determination of flood hazards,
and, if appropriate, corresponding water surface elevations, or an
examination, evaluation and determination of flood-related erosion
hazards.
FLOODWAY
The channel of a river or other watercourse and the adjacent
land areas that must be reserved in order to discharge the base flood
without cumulatively increasing the water surface elevation.
LOWEST FLOOR
The lowest floor of the lowest enclosed area (including basement
or cellar). An unfinished or flood-resistant enclosure, usable solely
for parking of vehicles, building access or storage in an area other
than a basement area, is not considered a building's lowest floor,
provided that such enclosure is not built so as to render the structure
in violation of the applicable nonelevation design requirements of
NFIP Regulations 60.3.
MANUFACTURED HOME
A structure, transportable in one (1) or more sections, which
is built on a permanent chassis and is designed for use with or without
a permanent foundation when connected to the required utilities. For
floodplain management purposes, the term "manufactured home" also
includes park trailers, travel trailers, and other similar vehicles
placed on a site for greater than one hundred eighty (180) consecutive
days. For insurance purposes, the term "manufactured home" does not
include park trailers, travel trailers, and other similar vehicles.
NEW CONSTRUCTION
For floodplain management purposes, structures for which
the "start of construction" commenced on or after the effective date
of a floodplain management regulation adopted by a community. For
the purpose of determining insurance rates, "new construction" means
structures for which the "start of construction" commenced on or after
the effective date of an initial FIRM or after December 31, 1974,
whichever is later.
SPECIAL FLOOD HAZARD AREA
An area having special flood and/or flood-related erosion
hazards, and shown on an FHBM or FIRM as Zone A, AO, A1-30, AE, A99,
AH, V, V1-30, or VE.
STRUCTURE
For floodplain management purposes, a walled and roofed building,
including a gas or liquid storage tank, that is principally above
ground, as well as a manufactured home. "Structure," for insurance
coverage purposes, means a walled and roofed building, other than
a gas or liquid storage tank, that is principally above ground and
affixed to a permanent site, as well as a manufactured home on foundation.
For the latter purpose, the term includes a building while in the
course of construction, alteration, or repair, but does not include
building materials or supplies intended for use in such construction,
alteration, or repair, unless such materials or supplies are within
an enclosed building on the premises.
SUBSTANTIAL DAMAGE
Damage of any origin sustained by a structure whereby the
cost of restoring the structure to its before-damaged condition would
equal or exceed fifty percent (50%) of the market value of the structure
before the damage occurred.
SUBSTANTIAL IMPROVEMENT
Any repair, reconstruction, or improvement of a structure,
the cost of which equals or exceeds fifty percent (50%) of the market
value of the structure either (a) before the improvement or repair
is started, or (b) if the structure has been damaged and is being
restored, before the damage occurred. For the purposes of this definition,
"substantial improvement" is considered to occur when the first alteration
of any wall, ceiling, floor, or other structural part of the building
commences, whether or not that alteration affects the external dimensions
of the structure.
ZONE A
The one-hundred-year floodplain area where the base flood
elevation (BFE) has not been determined. To determine the BFE, use
the best available federal, state, local, or other data.
ZONE A1-30 and ZONE AE
For new and revised maps, the one-hundred-year floodplain
where the base flood elevation has been determined.
ZONE AH and ZONE AO
The one-hundred-year floodplain with flood depths of one
(1) foot to three (3) feet, where a clearly defined channel does not
exist, where the path of flooding is unpredictable, and where velocity
flow may be evident. Such flooding is characterized by ponding or
sheet flow.
ZONE A99
Areas to be protected from the one-hundred-year flood by
federal flood protection systems under construction. Base flood elevations
have not been determined.
ZONES B, C, AND X
Areas identified in the community Flood Insurance Study as
areas of moderate or minimal flood hazard. Zone X replaces Zones B
and C on new and revised maps.