What is a Flood Plain?
  That area which experience has shown to be, or expert opinion holds likely to be, subject to high water condition connected with tide, storm, or seasonal changes. There are several types of Flood Plains -- 100 year, 500 year, etc -- and these are broken down into zones, which affect the use of the property.
What is a Wind Zone?
  Wind zones are determined as to the proximity to the coast.
  Example: Wind Zone I is closest to the coast and extends 5 miles inward. Winds will be strongest in the area.
    Wind Zone II may be from 5 to 10 miles inward and winds will be less.
    Wind Zone III may be 10 to 25 miles inward with less wind velocity.
  These zones determine how structures are built and also insurance rates.
What is a Perk Test?
  When there is no public sewer system, a septic tank system must be constructed. In order to do this, a septic permit must be obtained from the county in which the property is located. A soil suitability test is done by the local Environmental Health Department. There are many places in the coastal areas that will fail the perk tests.
What are Wetlands?
  Areas along the coast, rivers, creeks, tributaries, lakes, and inland, that are protected by the Federal and State Agencies, because of their importance to our environment. they are determined by types of soil, vegetation, and water tables.
What is an Elevation Certificate?
  A document required by FEMA in order for the insurance industry to write a policy for a structure. It must be done by a licensed surveyor. It determines the elevation of the floor of the house from the base of the flood plain.
What is a Bulkhead?
  Walls that are built along a shoreline to protect against erosion. They cannot be built everywhere, and require permits from several Government Agencies. They are normally built of wood, vinyl, rock, or concrete.
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