Flood Zone Comparison
Compare key metrics between 04539 04539, ME — Zone X-shaded and 14865 14865, NY — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 04539 04539, ME — Zone X-shaded | 14865 14865, NY — Zone AE |
|---|---|---|
| name | 04539 04539, ME — Zone X-shaded | 14865 14865, NY — Zone AE |
| zip code | 04539 | 14865 |
| city | 04539 | 14865 |
| state | Maine | New York |
| state code | ME | NY |
| category | Moderate Risk | High Risk |
| flood zone | Zone X-shaded (Moderate Risk — 500-Year Floodplain) | Zone AE (High Risk — 100-Year Floodplain) |
| risk level | Moderate Risk | High Risk |
| annual flood prob | 0.2% annual chance (500-year flood) | 1% annual chance (100-year flood) |
| insurance required | Recommended but not required | Required for federally-backed mortgages |
| avg annual premium | 811 | 811 |
| base flood elevation | N/A — not in Special Flood Hazard Area | 29 ft |
| historical floods | 1 recorded flood events in the past 50 years. Most recent major flood: 2023 | 10 recorded flood events in the past 50 years. Most recent major flood: 2010 |
| nearest water | Merrimack River (1.2 miles) | local creek (2.3 miles) |
| elevation ft | 1,142 | 6 |
| population | 33,622 | 32,469 |
| median home value | 357,071 | 296,009 |
| flood damage risk | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $55,895 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $168,063 |
| mitigation tips | Consider purchasing flood insurance even though not required; install backflow preventers on sewer lines; grade your lot to direct water away from foundation; keep gutters and drainage clear; know your evacuation route. | 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 | 6258C344J | 7385C240J |
| 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.