Flood Zone Comparison
Compare key metrics between 04786 04786, ME — Zone X-shaded and 13314 13314, NY — Zone X. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 04786 04786, ME — Zone X-shaded | 13314 13314, NY — Zone X |
|---|---|---|
| name | 04786 04786, ME — Zone X-shaded | 13314 13314, NY — Zone X |
| zip code | 04786 | 13314 |
| city | 04786 | 13314 |
| state | Maine | New York |
| state code | ME | NY |
| category | Moderate Risk | Low Risk |
| flood zone | Zone X-shaded (Moderate Risk — 500-Year Floodplain) | Zone X (Low Risk — Minimal Flood Hazard) |
| risk level | Moderate Risk | Low Risk |
| annual flood prob | 0.2% annual chance (500-year flood) | Less than 0.2% annual chance |
| insurance required | Recommended but not required | Optional — minimal flood hazard area |
| avg annual premium | 445 | 445 |
| base flood elevation | N/A — not in Special Flood Hazard Area | N/A — not in Special Flood Hazard Area |
| historical floods | 6 recorded flood events in the past 50 years. Most recent major flood: 2023 | 0 recorded flood events in the past 50 years |
| nearest water | James River (1.1 miles) | Long Island Sound (0.1 miles) |
| elevation ft | 672 | 1,670 |
| population | 71,831 | 11,426 |
| median home value | 441,138 | 257,563 |
| flood damage risk | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $99,493 | 5-10% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $149,741 |
| 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. | While flood risk is minimal, consider affordable flood insurance; maintain proper drainage around foundation; keep storm drains clear; be aware that 25% of flood claims come from low-risk zones; have an emergency plan. |
| fema map id | 9388C290J | 9079C430J |
| 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.