FAA 103.15 Operations over congested areas.
No person may operate an ultralight vehicle over any congested area of a city, town, or settlement, or over any open air assembly of persons.

Let me start by saying I’m new to Ultralight’s. Not new to flying, as I’ve been flying Cessna’s as part of obtaining my Private Pilots License.
I’ve read the FAA 103 rules & had a question about “congested areas”. What is their (the FAA) definition of a congested area of a city, town, or settlement?
My home airport is very close to our towns “Downtown” area. On Final you are flying right over downtown & over a neighborhood. The end of that runway is separated from a neighborhood street by a fence.
This airport houses our local EAA chapter & has had UL traffic now for over 40 years. So, I’m assuming our town isn’t a congested area or this would’ve already been an issue.
I’m just curious how you all view this 103.15 rule.
Thanks for any clarity.