Definitions. For purposes of this section, the following terms shall
have the following meanings:
AREA OF SPECIAL FLOOD HAZARD
Land in a floodplain that is subject to a one-percent or
greater chance of flooding in any given year and which is designated
on a FIRM as Zone A, AO, AH, AE, A99, VE, or V.
BASE FLOOD
The flood having a one-percent chance of being equaled or
exceeded in any given year.
COASTAL HIGH-HAZARD AREA
An area of special flood hazard extending from offshore to
the inland limit of a primary frontal dune along an open coast and
any other area subject to high-velocity wave action from storms or
seismic sources and designated on a FIRM as Zone V or VE.
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)
The federal agency which administers the National Flood Insurance
Program and provides a nationwide flood hazard area mapping study
program for communities as well as regulatory standards for development
in the flood hazard areas.
FIVE-HUNDRED-YEAR FLOOD
A general and temporary condition of partial or complete
inundation of two or more acres of normally dry land areas or of two
or more properties that have a 0.2% annual chance of flooding and
which are located outside of special flood hazard areas.
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.
FLOOD or FLOODING
A general and temporary condition of partial or complete
inundation of normally dry land areas or of two or more lots. This
inundation can result from the overflow of inland or tidal waters
or the unusual and rapid accumulation or runoff of surface waters
from any source or from mudflow.
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 or cellar, 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 Regulation 60.3.
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 the City of Beverly.
For the purpose of determining insurance rates, the term "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 a FIRM as Zone A, AO, AE, A99, AH, V 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. For insurance coverage purposes,
the term "structure" 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 a 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 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 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 subsection, the term
"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 AE (FOR NEW AND REVISED MAPS)
That portion of the one-hundred-year floodplain where the
base flood elevation has been determined. (Note that Zone AE replaces
Zones A1-A30 on maps created in and prior to 1987.)
ZONE AH AND ZONE AO
That portion of the one-hundred-year floodplain with flood
depths of one foot to three feet.
ZONE VE
Areas in Beverly identified by a FEMA-conducted Flood Insurance
Study as special flood hazard areas along a coast subject to inundation
by a one-hundred-year flood with additional hazards due to velocity
(wave action) for which base flood elevations have been determined.
ZONE X
Areas in Beverly identified by a FEMA-conducted Flood Insurance
Study as those of moderate or minimal flood hazard. (Note that Zone
X replaces Zones B and C on maps created in and prior to 1987.)