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Federal Emergency Management Agency . . . the special mudslide (Le., mudflow) hazard area in preparation for publica- tion of the FffiM, Zone M may be fur- ther refined. Base flood means the flood having a one percent chance of being equalled or exceeded in any given year. Basement" means any area of the building having its floor sUbgrade (below ground level) on all sides. Brear.away wall means a wall that is not part of the structural support of the building and is intended through its design and construction to collapse under specific lateral loading forces, without causing damage to the ele- vated portion of the building or sup- porting foundation system. Building-see structure. Cha.rgeable rates mean the rates es- tablished by the Administrator pursu- ant to section 1308 of the Act for first layer limits of flood inSurance on exist- ing structures. Chief Executive OfltCeT of the commu- nity (CEO) means the official of the community who is charged with the authority to implement and administer laws, ordinances and regulations for that community. Coastal h.igh. hazard area means an area of special flood ha.za.rd 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. Community means any State or area or political subdivision thereof, or any Indian tribe or authorized tribal orga- nization, or Alaska Native village or authorized native organization, which has authority to adopt and enforce flood plain management regulations for the areas within its jurisdiction. Contents coverage is the insurance on personal property within an enclosed structure, including the cost of debris removal, and the reasonable cost of re- moval of contents to minimize da.ma.ge. Personal property may be household goods usual or incidental to residential occupancy, or merchandise, furniture, fixtures, machinery, equipment and supplies usual to other than residential occupancies. Criteria means the comprehensive cri- teria for land management and use for flood-prone areas developed under 42 .'. ~59.1 U.S.C. 4102 [or the purposes sel; forth in part 60 of this subchapter. Critical feature means an intl~gral and readily identifiable part of a flood pro- tection system, without which the flood protel~tion provided by the entire system wO~lld be compromised. CuTVilinec~r Line means the border on either a FHBM or FffiM t:b.at delin- eates the l,pecial flood, mudslide (Le., mudllow) :l.nd/or flood-related erosion hazard areas and consists of a curved or contour line that follows l,he topog- raphy. Deductible means the fixed amount or percentage of any loss covered by in- surance which is borne by the insured prior to the insurer's liability. Developelt area means an area of a communit:Y' that is: (a) A primarily urbanized, built-up area that is a minimum of 20 contig- uous acre~i, has basic urban i.nfrastruc- ture, including roads, utilities, commu- nications, and public facilities, to sus- tain industrial, residential, and com- mercial ac:tivities, and (1) Within which 75 percent or more of the pa:rcels, tracts, or lots contain commercial, industrial, or residential structure8 or uses; or (2) Is a single parcel, tract, or lot in which 75 percent of the area contains existing commercial or industrial structure:; or uses; or (3) Is a. subdivision developed at a density of at least two residential structures per acre within which 75 percent or more of the lots ,oontain ex- isting re,sidential structures at the time the designation is adopted. (b) An undeveloped single parcel, tract, or lot of less than 20 acres that is contiguous on at least three sides to areas meeting the criteria of paragraph (a) at the time the designation is adopted. (c) A subdivision that is a minimum of 20 contiguous acres that has ob- tained all necessary government ap- provals, provided that the actual "start of construction" of structures has occurred on at least 10 percent of the lots or remaining lots of a subdivi- sion or 10 percent of the maximum building coverage or remaining build- ing covElrage allowed fora. single lot subdivision at the time the designation . . . . 221