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Federal Emergency Management Agency . .. . ." ....... the purchase or subsidization of mort- gages or mortgage loans but shall ex- clude assistance pursuant to the Disas- ter Relief Act of 1974 other than assist- ance under such Act in connection with a flood. It includes only financial as- sistance insurable under the Standard Flood Insurance Policy. First-layer coverage is the maximum amount of structural and contents in- surance coverage available under the Emergency Program. Flood or Flooding means: (a) A general and temporary condi- tion of partial or complete inundation of normally dry land areas from: (1) The overflow of inland or tidal wa- ters. (2) The unusual and rapid accumula- tion or runoff of surface waters from any source. (3) Mudslides (Le., mudflOWS) which are proximatelY caused by flooding as defined in paragraph (a)(2) of this defi- nition and are akin to a river of liquid and flowing mud on the surfaces of nor- mally dry land areas, as when earth is carried by a current of water and de- posited along the path of the current. (b) The collapse or subsidence of land along the shore of a lake or other body of water as a result of erosion or under- mining caused by waves or currents of water exceeding anticipated cyclical levels or SUddenly caused by an unusu- ally high water level in a natural body of .water, accompanied by a severe storm, or by an unanticipated force of nature, such as flash flood or an abnor- mal tidal surge, or by some similarly unusual and unforeseeable event which results in flOOding as dermed in para- graph (a)(I) of this definition. Flood elevation determination means a determination by the Administrator of the water surface elevations of the base flood, that is, the flood level that has a one percent or greater chance of occur- rence in any given year. Flood elevation study means an exam- ination, evaluation and detennination of flood hazards and. if appropriate, corresponding water surface elevations. or an examination, evaluation and de- tennination of mudslide (Le., mudflow) andlor flood-related erosion hazards. Flood Hazard Boundary Map (FHBM) means an official map of a community, issued by the Administrator. where the ..' . .... !j59.1 bounda...'"ie1; of the flood, mudslide (Le.. mudflow) :related erosion areas having special ha.llards have been designated as Zones A, M, and/or E. Flood in;>urance means the insurance coverage provided under the Program. Flood Insurance Rate Map (FffiM) means an official map of a community, on which the Administrator has delin- eated both the special hazard. areas and the risk premium zones applicable to the community. Flood Insurance St:u.dy see flood ele- vation study. Flood plain or flood-prone ctrea means any' land area susceptible to being in- undated 'c'y water from any source (see definition of "flooding"). Flood pla.in management mea.ns the op- eration of an overall progra.m of cor- rective and preventive measures for re- ducing flood damage. inclUding but not limited to emergency preparedness plans. flood control works and flood plain management regulations. Flood plain management regulations means zoning ordinances. subdivision regulations. building codes. health reg- ulations, special purpose ordinances (such as a flood plain ordinance, grad- ing ordinance and erosion control ordi- nance) and other applications of police power. The term describes such state or local regulations, in any combina- tion thereof, which provide standards for the pllrpose of flood damage preven- tion and reduction. Flood protection system means those physical structural works for which funds h:~ve been authori:~ed. appro- priated. and expended and which have been constructed specifically to modify flooding in order to reduce the extent of the area within a community subject to a "special flood hazard" and the ex- tent of the depths of associated flood- ing. Such a system typically includes hurrican.e tidal barriers, dams, res- ervoirs. levees or dikes. These speCial- ized flood modifying works are those construc:ted in conformance' with sound engineering standards. Flood proofing means a.I1Y combina- tion of structural and non-structural additioD.5, changes. or adjustments to structures which reduce or eliminate . . . . 223 ...........