An atoll is a type of low, coral island found in tropical oceans and consisting of a coral-algal reef surrounding a central depression. The depression may be part of the emergent island, but more typically is a part of the sea (that is, a lagoon), or very rarely is an enclosed body of fresh, brackish, or highly salinated water.
Atolls are the product of the growth of tropical marine organisms, so these islands are only found in warm tropical waters. Volcanic islands located beyond the warm water temperature requirements of reef building (hermatypic) organisms become seamounts as they subside and are eroded away at the surface. An island that is located where the ocean water temperatures are just sufficiently warm for upward reef growth to keep pace with the rate of subsidence is said to be at the Darwin Point. Islands more polar evolve towards seamounts or guyots; islands more equatorial evolve towards atolls (see Kure Atoll).
Reginald Aldworth Daly offered a somewhat different explanation for atoll formation: islands worn away by erosion (ocean waves and streams) during the last glacial stand of the sea of some 300 feet below present sea level, developed as coral islands (atolls) (or barrier reefs on a platform surrounding a volcanic island not completely worn away) as sea level gradually rose from melting of the glaciers. Discovery of the great depth of the volcanic remnant beneath many atolls (see Midway Atoll), favors the Darwin explanation, although there can be little doubt that fluctuating sea level has had considerable influence on atoll and other reefs.
As noted above, reef-building corals can thrive only in warm tropical and subtropical waters of oceans and seas, and therefore atolls are only found in the tropics and subtropics. The northernmost atoll of the world is Kure Atoll at 28°24' N, along with other atolls of the Northwestern Hawaiian Islands. The southernmost atolls of the world are Elizabeth Reef at 29°58' S, and nearby Middleton Reef at 29°29' S, in the Tasman Sea, both of which are part of the Coral Sea Islands Territory. The next southerly atoll is Ducie Island in the Pitcairn Islands Group, at 24°40' S. Bermuda is sometimes claimed as the "northernmost atoll" at a latitude of 32°24' N. At this latitude coral reefs would not develop without the warming waters of the Gulf Stream. However, Bermuda is what is termed a pseudo-atoll because its general form, while resembling that of an atoll, has a very different mode of formation. While there is no atoll directly on the Equator, the closest atoll to the Equator is Aranuka of Kiribati, with its southern tip just 12 km North of the Equator.
In terms of total area (lagoon plus reef), the largest atolls are found in the Maldives: Huvadhoo Atoll, having an area of 2800 (or 3200?) km²; the area of Thiladhunmathi and Miladhunmadulu Atolls (two names, but a single atoll structure) is even larger at 3680 km². Another large atoll is Lihou Reef in the Coral Sea, with a lagoon of 2,500 km². However, by far the largest atoll structure of the world is the Great Chagos Bank in the Indian Ocean, a mostly submerged atoll, part of the Chagos Islands, with an area of roughly 13,000 km². If Saya de Malha Bank were to be recognized as a wholly submerged atoll structure, it would be the world's largest, at 40,000 km². Kwajalein in the Marshall Islands, which is sometimes listed as the largest atoll of the world (largest in the Pacific), measures only 846 km², by contrast. Large atolls are also found in the Tuamotu Archipelago, the largest being Rangiroa, with a lagoon area of 1018 km².
In most cases, the land area of an atoll is very small in comparison to the total area. The largest atoll in the world in terms of "land area" (land "permanently" above sea level) is Kiritimati (321.37 km² land area; according to other sources even 575 km²), 160 km² main lagoon, 168 km² other lagoons (according to other sources 319 km² total lagoon size). If the Caicos Islands are to be considered a huge coral atoll, with the Caicos Bank as a lagoon, this complex would be the largest atoll in land area (460.2 km²) and second largest in total area (lagoon size roughly 3700 km²).
The remains of an ancient atoll as a hill in a limestone area is called a reef knoll.
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