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<br />les. "Risk premium rates" include
<br />rovisions for operating costs and ai-
<br />wances.
<br />"Riverine" means relating to.
<br />rmed by, or resembling a river (In-
<br />uding tributaries), stream, brool<,
<br />
<br />uSand dunes" mean naturally occur-
<br />g accumulations of sand in ridges or
<br />ounds iandward of the beach.
<br />'Wcienti/ically incorrect". The
<br />ethodology(les) and/or assumptions
<br />hich have been utilized are inappro-
<br />iate for the physical processes being
<br />aluated or are otherwise erroneous.
<br />"Second layer coverage" means an
<br />ditional limit of coverage equal to
<br />e amounts made available under the
<br />ergellCY Program, and made avail-
<br />Ie under the Regular Program.
<br />"Servicing company" means a corpo-
<br />tion, partnership, association, or any
<br />her organized entity which contracts
<br />ith the Federal Insurance Admlnis-
<br />aUon to service insurance policies
<br />der the National Flood Insurance
<br />rogram for a particular area.
<br />"Sheet flow area "-see Uarea of shal-
<br />w flooding. "
<br />"GO-year setback" means a distance
<br />ual to GO times the average annual
<br />ng term recession rate at a site,
<br />easured from the reference feature.
<br />uSpecial hazard area" means an area
<br />vlng special flood, mudsllde (i.e.,
<br />udllow) and/or flood-related erosion
<br />ards. and shown on an FHBM or
<br />RM as Zone A, AO, AI-30, AE, A99,
<br />H, VO, VI-30, VE, V, M or E.
<br />"Standard Flood Insurance Policy"
<br />eans the flood insurance policy
<br />ued by the Federal Insurance Ad-
<br />inistrator, or an Insurer pursuant to
<br />arrangement with the Administra-
<br />r pursuant to Federal statutes and
<br />gulations.
<br />UStart of Construction" (for other
<br />an new construction or subst.antial
<br />provements under the Coastal Bar-
<br />r Resources Act (PUb. L. 97-348)),
<br />cludes substantial improvement, and
<br />eans the date the bUllding pern.it
<br />issued. provided the actual start of
<br />nstruCtiOll, repair. reconstruction,
<br />habllltation, addition placement, or
<br />her improvement was within 180
<br />ys of the permit date. The actual
<br />rt means either the first placement
<br />permanent construction of a struc-
<br />
<br />- - 0 Edition)
<br />
<br />ture on a site. such as the pouring of
<br />slab or footings, the Installation of
<br />piles, the construction of columns. or
<br />any work beyond the stage of excava-
<br />tion; or the placement of a manufac-
<br />tured home on a foundation. Perma.
<br />nent construction does not include
<br />land preparation, such as clearing,
<br />grading and filling; nor does it Include
<br />the installation of streets and/or walk-
<br />ways; nor does it include excavation
<br />for a basement. footings, . piers. or
<br />foundations or the erection of tempo~
<br />rary forms; nor does it Include the in-
<br />stallation on the property of accessory
<br />buildings, such as garages or sheds not
<br />occupied as dwelling units or not part
<br />of the main structure. For a substan-
<br />tial improvement, the actual start of
<br />construction means the first alteration
<br />of any wall" celllng, floor, or other
<br />structural part of a bUlldlng, whether
<br />or not tb,at alteration affects the ex-
<br />ternal dimensions of the buildingo
<br />UBtate" means any State, the Dis-
<br />trict of Columbia, the territories and
<br />possessions of the United states, the
<br />Conunonwealth of PUerto Rico, and
<br />the Trust Territory of the Pacific Is-
<br />lands.
<br />"State coordinating agency" means
<br />the agency of the state government, or
<br />other office designated by the Gover-
<br />nor of the state or by state statute at
<br />the request of the Administrator to
<br />assist in the Implementation of the
<br />National Flood Insurance Program in
<br />that state.
<br />"Storm cellar" means a space below
<br />grade used to acconunodate occupants
<br />of the structure and emergency sup-
<br />plies as a Means of temporary shelter
<br />against severe tornado or similar wind
<br />storm activity.
<br />"Structure" means. for flood plain
<br />management purposes, a wt1.lled and
<br />roofed bUllding, including a gas or
<br />liqUid storage tank. that is prinCipally
<br />above ground, as well as a' manufac-
<br />tured home. HStructure" "for insurance
<br />coverage purposes, means a walled and
<br />roofed bUllding, other than a gas or
<br />liquid storage tanl<, that is principally
<br />above ground and affixed to a penna-
<br />nent site, as well as a manufactured
<br />home on a permanent fOundation. For
<br />the latter purpose, the term includes a
<br />building whlle in the course of con-
<br />st!'uction, alteration or repair, but
<br />
<br />252
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