Flood Zone Comparison
Compare key metrics between 05038 05038, VT — Zone A and 27231 27231, NC — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 05038 05038, VT — Zone A | 27231 27231, NC — Zone AE |
|---|---|---|
| name | 05038 05038, VT — Zone A | 27231 27231, NC — Zone AE |
| zip code | 05038 | 27231 |
| city | 05038 | 27231 |
| state | Vermont | North Carolina |
| state code | VT | NC |
| category | High Risk | High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | Zone AE (High Risk — 100-Year Floodplain) |
| 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 | 1,063 | 1,063 |
| base flood elevation | 24 ft | 25 ft |
| historical floods | 11 recorded flood events in the past 50 years. Most recent major flood: 2015 | 11 recorded flood events in the past 50 years. Most recent major flood: 2009 |
| nearest water | local stream (2.4 miles) | retention pond (1.3 miles) |
| elevation ft | 1,864 | 992 |
| population | 43,203 | 26,359 |
| median home value | 625,492 | 385,373 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $95,291 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $98,699 |
| 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 | 7900C782J | 5887C337J |
| 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.