The areas of special flood hazard identified by the Federal
Emergency Management Agency (FEMA) in its Flood Insurance Study (FIS)
for New London County, Connecticut, dated July 18, 2011, and accompanying
Flood Insurance Rate Maps (FIRM) dated July 18, 2011, and other supporting
data applicable to the Town of Lyme, and any subsequent revisions
thereto, are adopted by reference and declared to be a part of this
regulation. Since mapping is legally adopted by reference into this
regulation, it must take precedence when more restrictive until such
time as a map amendment or map revision is obtained from FEMA. The
area of special flood hazard includes any area show on the FIRM as
Zones A and AE, including areas designated as a floodway on a FIRM.
Areas of special flood hazard are determined utilizing the base flood
elevations (BFE) provided on the flood profiles in the FIS for a community.
Base flood elevations provided on a FIRM are only approximate (rounded
up or down) and should be verified with the BFEs published in the
FIS for a specific location.
A. Equal conveyance. Within the floodplain, except those areas which
are tidally influenced, as designated on the Flood Insurance Rate
Map for the community, encroachments resulting from filling, new construction
or substantial improvements involving an increase in footprint of
the structure are prohibited unless the applicant provides certification
by a registered professional engineer demonstrating, with supporting
hydrologic and hydraulic analyses performed in accordance with standard
engineering practice, that such encroachments shall not result in
any (0.00 feet) increase in flood levels (base flood elevation). Work
within the floodplain and the land adjacent to the floodplain, including
work to provide compensatory storage, shall not be constructed in
such a way so as to cause an increase in flood stage or flood velocity.
B. Compensatory storage. The water holding capacity of the floodplain,
except those areas which are tidally influenced, shall not be reduced.
Any reduction caused by filling, new construction or substantial improvements
involving an increase in footprint to the structure shall be compensated
for by deepening and/or widening of the floodplain. Storage shall
be provided on site, unless easements have been gained from adjacent
property owners; it shall be provided within the same hydraulic reach
and a volume not previously used for flood storage; it shall be hydraulically
comparable and incrementally equal to the theoretical volume of floodwater
at each elevation, up to and including the one-hundred-year flood
elevation, which would be displaced by the proposed project. Such
compensatory volume shall have an unrestricted hydraulic connection
to the same waterway or water body. Compensatory storage can be provided
off site if approved by the municipality.
As used in Article
15, the following terms shall have the meanings indicated:
BASE FLOOD
The flood having a one-percent chance of being equaled or
exceeded in any given year.
BASE FLOOD ELEVATION (BFE)
The elevation of the crest of the base flood or one-hundred-year
flood. The height in relation to mean sea level expected to be reached
by waters of the base flood at pertinent points in the floodplains
of coastal and riverine areas.
BASEMENT
Any area of the building having its floor subgrade (below
ground level) on all sides.
COST
As related to substantial improvements, the cost of any reconstruction,
rehabilitation, addition, alteration, repair or other improvement
of a structure shall be established by a detailed written contractor's
estimate. The estimate shall include, but not be limited to, the cost
of materials (interior finishing elements, structural elements, utility
and service equipment), sales tax on materials, building equipment
and fixtures, including heating and air-conditioning and utility meters,
labor, built-in appliances, demolition and site preparation, repairs
made to damaged parts of the building worked on at the same time,
contractor's overhead, contractor's profit, and grand total. Items
to be excluded include cost of plans and specifications, survey costs,
permit fees, outside improvements such as septic systems, water supply
wells, landscaping, sidewalks, fences, yard lights, irrigation systems,
and detached structures such as garages, sheds and gazebos.
DEVELOPMENT
Any man-made change to improved or unimproved real estate,
including but not limited to the construction of buildings or structures;
the construction of additions, alterations or substantial improvements
to buildings or structures; the placement of buildings or structures;
mining, dredging, filling, grading, paving, excavation or drilling
operations or storage of equipment; the storage, deposition, or extraction
of material; and the installation, repair or removal of public or
private sewage disposal systems or water supply facilities.
FLOOD INSURANCE RATE MAP (FIRM)
The official map prepared for the Town of Lyme by the Federal
Emergency Management Agency on which both special hazard areas and
risk premium zones applicable to the Town of Lyme have been designated
and is dated July 18, 2011, and as it may be amended.
A.
ZONE AThe special flood hazard area shown on the FIRM which is subject to inundation by the one-hundred-year flood. Because detailed hydraulic analyses have not been performed, no base flood elevation is shown. Mandatory flood insurance purchase requirements apply.
B.
ZONE AEThe special flood hazard areas shown on the FIRM which are subject to inundation by the 100-year flood determined in a Flood Insurance Study (FIS) by detailed methods. Base flood elevations are shown with these zones. Insurance risk level is indicated by the number. Mandatory flood insurance purchase requirements apply.
[Amended 9-12-2022]
FLOOD INSURANCE STUDY (FIS)
The official report from the Federal Emergency Management
Agency (FEMA) which contains examination, evaluation, and determination
of flood hazards and, if appropriate, corresponding water elevations.
FLOOD or FLOODING
A general and temporary condition of partial or complete
inundation of normally dry land areas from either the overflow of
inland or tidal waters or unusual and rapid accumulation and accumulation/runoff
of surface waters from any source.
FLOODPROOFED
Watertight with walls substantially impermeable to the passage
of water, with structural components having the capability of resisting
hydrostatic and hydrodynamic loads and effects of buoyancy.
FLOODPROOFING
Any combination of structural or nonstructural additions,
changes or adjustments to structures which reduce or eliminate flood
damage to real estate or improved real property or sanitary facilities,
structures or their contents.
FLOODWAY
The channel of a river or other watercourse and the adjacent
land areas which must be reserved in order to discharge the base flood
without cumulatively increasing the water surface elevation more than
one foot.
FUNCTIONALLY DEPENDENT USE OR FACILITY
A use or facility that cannot perform its intended purpose
unless it is located or carried out in close proximity to water. The
term includes only docking facilities, port facilities that are necessary
for the loading and unloading of cargo or passengers, and ship building
and ship repair facilities. The term does not include seafood processing
facilities, long-term storage, manufacturing, sales or service facilities.
HISTORIC STRUCTURE
Any structure that is:
A.
Listed individually in the National Register of Historic Places
(a listing maintained by the Department of the Interior) or preliminarily
determined by the Secretary of the Interior as meeting the requirements
for individual listing on the National Register;
B.
Certified or preliminarily determined by the Secretary of the
Interior as contributing to the historic significance of a registered
historic district;
C.
Individually listed on a state inventory of historic places
in states with historic preservation programs which have been approved
by the Secretary of the Interior; or
D.
Individually listed on a local inventory of historic places
in communities with historic preservation programs that have been
certified either:
(1)
By an approved state program as determined by the Secretary
of the Interior; or
(2)
Directly by the Secretary of the Interior in states without
approved programs.
LOWEST FLOOR
The lowest floor of the lowest enclosed area (including basement).
MARKET VALUE
As related to substantial improvement and substantial damage,
the value of the structure shall be determined by the cost approach
to value method prior to the start of the initial repair or improvement,
or in the case of damage, the value of the structure prior to the
damage occurring.
MEAN SEA LEVEL
For purposes of the National Flood Insurance Program, the
North American Vertical Datum (NAVD) of 1988 or other datum to which
base flood elevations shown on a community's Flood Insurance Rate
Map are referenced.
NEW CONSTRUCTION
Structures for which the start of construction commenced
on or after the effective date of the initial FIRM (January 3, 1979),
and includes any subsequent improvements to such structures.
START OF CONSTRUCTION
Including substantial improvement, means the date the building
permit was issued, provided the actual start of construction, repair,
reconstruction, placement, or other improvement was within 180 days
of the permit date. The actual start means either the first placement
of permanent construction of a structure on a site, such as the pouring
of slab or footings, the installation of piles, the construction of
columns, or any work beyond the stage of excavation, or the placement
of a manufactured home on a foundation. Permanent construction does
not include land preparation, such as clearing, grading, and filling;
nor does it include the installation of streets and/or walkways; nor
does it include the installation on the property of accessory buildings,
such as garages or sheds not occupied as dwelling units or not part
of the main structure. For a substantial improvement, the actual start
of construction means the first alteration of any wall, ceiling, floor,
or other structural part of a building, whether or not that alteration
affects the external dimensions of the building.
STRUCTURE
For floodplain management purposes, a walled and roofed building
which is principally above ground, including a manufactured home,
a gas or liquid storage tank, or other man-made facilities or infrastructure.
SUBSTANTIAL DAMAGE
Damage of any origin sustained by a structure, whereby the
cost of restoring the structure to its pre-damaged condition would
equal or exceed 50% of the market value of the structure before the
damage occurred.
SUBSTANTIAL IMPROVEMENT
Any repair, reconstruction, addition, or other improvement
of a structure, taking place during a five-year period, the cumulative
cost of which equals or exceeds 50% of the market value of the structure
using the cost approach to value method (i.e. market value determination
is based on the depreciated replacement cost of the structure using
current rates for materials, equipment, and labor), before the start
of construction of the improvement. This term includes structures
that have incurred substantial damage, regardless of the actual repair
work performed. For purposes of this definition, "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.
The term does not, however, include either:
A.
Any project for improvement of a structure to correct existing
violations of state or local health, sanitary, or safety code specifications
which have been identified by the local code enforcement official
and which are the minimum necessary to assure safe living conditions;
or
B.
Any alteration of a historic structure, provided that the alteration
will not preclude the structure's continued designation as a historic
structure.
VARIANCE
A grant of relief by a community from the terms of the floodplain
management regulation that allows construction in a manner otherwise
prohibited and where specific enforcement would result in unnecessary
hardship.
VIOLATION
A failure of a structure or other development to be fully
compliant with the community's floodplain management ordinance. A
structure or other development without required permits, lowest floor
elevation documentation, floodproofing certificates or required floodway
encroachment calculations is presumed to be in violation until such
time as that documentation is provided.
WATER SURFACE ELEVATION
The height, in relation to the North American Vertical Datum
(NAVD) of 1988 (or other datum, where specified), of floods of various
magnitudes and frequencies in the floodplains of coastal or riverine
areas.
The ZEO shall maintain a record of all flood protection variance
actions, including justification for their issuance, and report such
variances issued in the required biennial report submitted to the
administrator.
A. An applicant for a variance to this article shall be notified by
the ZEO that the issuance of a variance to construct a structure below
the base flood level will result in increased rates for insurance
coverage commensurate with the increased risk, up to amounts as high
as $25 for $100 of insurance coverage, and that such construction
shall be maintained with a record of all flood protection variance
actions.
B. A variance shall not be granted if the Lyme Zoning Board of Appeals
determines that:
(1) The variance would result in any increase in flood levels of the
designated floodway during the base flood discharge;
(2) Granting of the variance would result in increased flood heights,
additional threats to public safety, or extraordinary public expenses
or create a nuisance.
(3) No exceptional hardship would result from the failure to grant the
variance.
No parcel of land in any Floodplain District shall be divided
so that any lot or any portion thereof shall be less in area than
40,000 square feet or less in width than 100 feet.
Aboveground storage tanks (oil, propane, etc.) which are located
outside or inside of the structure must either be elevated above the
base flood elevation (BFE) on a concrete pad or be securely anchored
with tie-down straps to prevent flotation or lateral movement, have
the top of the fill pipe extended above the BFE, and screw fill cap
that does not allow for the infiltration of floodwater.
If any portion of a structure lies within the special flood
hazard area (SFHA), the entire structure is considered to be in the
SFHA. The entire structure must meet the construction requirements
of the flood zone. The structure includes any attached additions,
garages, decks, sunrooms, or any other structure attached to the main
structure. Decks or porches that extend into a more restrictive flood
zone will require the entire structure to meet the standards of the
more restrictive zone.
If a structure lies within two or more flood zones, the construction
standards of the most restrictive zone apply to the entire structure
(i.e., V Zone is more restrictive than A Zone; structure must be built
to the highest BFE). The structure includes any attached additions,
garages, decks, sunrooms, or any other structure attached to the main
structure. Decks or porches that extend into a more restrictive zone
will require the entire structure to meet the requirements of the
more restrictive zone.
New construction, substantial improvements and repair to structures
that have sustained substantial damage cannot be constructed or located
entirely or partially over water unless it is a functionally dependent
use or facility.