Increasing demand for development on property containing wetlands and surface waters may adversely impact and impair such natural resources. This statute creates an overlay district to protect property containing such resources. This statute uses Chapter 81 of the Town Code, Articles 24 and 25 of the New York Environmental Conservation Law, and maps drawn by the New York State Department of Environmental Conservation to determine what areas should be considered wetlands, buffer zones, etc. and protected in the overlay district. This statute sets minimum lot sizes for residential and nonresidential districts containing wetlands, etc. No development is permitted on wetlands, lands under water, or surface water. Development in a buffer area is only permitted after a review by the town board.