Perhaps an armor belt can be modeled by "indenting" the zones around the armor belt level toward the inside of the ship. That way any explosion that occurs at the armor belt would have a lesser impact on the zones of the ship because the closest vulnerable part of the ship is spaced away from it.
Think of an hourglass inside a metal cylinder. You hit the middle of the metal cylinder and the "glass" is safely away from the point of contact.
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