Definitions. For purposes of this section, the following terms shall have the following meanings:
AREA OF SPECIAL FLOOD HAZARDLand 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 FLOODThe flood having a one-percent chance of being equaled or exceeded in any given year.
COASTAL HIGH-HAZARD AREAAn 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.
DEVELOPMENTAny 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 FLOODA 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 STUDYAn 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 FLOODINGA 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.
FLOODWAYThe 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 FLOORThe 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 CONSTRUCTIONFor 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 AREAAn 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.
STRUCTUREFor 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 DAMAGEDamage 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 IMPROVEMENTAny 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 AThe 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 AOThat portion of the one-hundred-year floodplain with flood depths of one foot to three feet.
ZONE VEAreas 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 XAreas 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.)