Flood Zone Comparison
Compare key metrics between 04280 04280, ME — Zone AE and 41365 41365, KY — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 04280 04280, ME — Zone AE | 41365 41365, KY — Zone A |
|---|---|---|
| name | 04280 04280, ME — Zone AE | 41365 41365, KY — Zone A |
| zip code | 04280 | 41365 |
| city | 04280 | 41365 |
| state | Maine | Kentucky |
| state code | ME | KY |
| category | High Risk | High Risk |
| flood zone | Zone AE (High Risk — 100-Year Floodplain) | 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 | 1,760 | 1,760 |
| base flood elevation | 21 ft | 19 ft |
| historical floods | 8 recorded flood events in the past 50 years. Most recent major flood: 2011 | 10 recorded flood events in the past 50 years. Most recent major flood: 2019 |
| nearest water | Red River (1.5 miles) | Missouri River (1.1 miles) |
| elevation ft | 811 | 1,749 |
| population | 17,737 | 78,645 |
| median home value | 675,131 | 263,839 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $58,069 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $74,456 |
| 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 | 5411C208J | 4168C636J |
| 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.