Reef

A reef is a ridge or shoal of rock, coral, or similar relatively stable material lying beneath the surface of a natural body of water. Many reefs result from natural, abiotic (non-living) processes such as deposition of sand or wave erosion planing down rock outcrops. However, reefs such as the coral reefs of tropical waters are formed by biotic (living) processes, dominated by corals and corallin... (Wikipedia)