Flood Zone Comparison
Compare key metrics between 03838 03838, NH — Zone A and 23085 23085, VA — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 03838 03838, NH — Zone A | 23085 23085, VA — Zone A |
|---|---|---|
| name | 03838 03838, NH — Zone A | 23085 23085, VA — Zone A |
| zip code | 03838 | 23085 |
| city | 03838 | 23085 |
| state | New Hampshire | Virginia |
| state code | NH | VA |
| category | High Risk | High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | Zone A (High Risk — 100-Year Floodplain, No BFE) |
| risk level | High Risk | High Risk |
| annual flood prob | 1% annual chance (100-year flood) | 1% annual chance (100-year flood) |
| insurance required | Required for federally-backed mortgages | Required for federally-backed mortgages |
| avg annual premium | 2,382 | 2,382 |
| base flood elevation | 20 ft | 23 ft |
| historical floods | 15 recorded flood events in the past 50 years. Most recent major flood: 2004 | 11 recorded flood events in the past 50 years. Most recent major flood: 2016 |
| nearest water | Rio Grande (1.1 miles) | retention pond (3.5 miles) |
| elevation ft | 558 | 1,795 |
| population | 68,028 | 50,749 |
| median home value | 711,530 | 752,692 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $24,607 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $158,046 |
| mitigation tips | Elevate utilities above base flood elevation; install sump pumps with battery backup; consider flood-proofing ground floor; maintain flood insurance; create an emergency evacuation plan; store important documents above flood level. | Elevate utilities above base flood elevation; install sump pumps with battery backup; consider flood-proofing ground floor; maintain flood insurance; create an emergency evacuation plan; store important documents above flood level. |
| fema map id | 4044C899J | 6690C806J |
| last updated | 2025-01-01 | 2025-01-01 |
Our team analyzes data from FEMA National Flood Hazard Layer to deliver accurate, up-to-date information. All data is verified and cross-referenced with official sources.