Flood Zone Comparison
Compare key metrics between 05640 05640, CT — Zone AE and 20860 20860, MD — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 05640 05640, CT — Zone AE | 20860 20860, MD — Zone A |
|---|---|---|
| name | 05640 05640, CT — Zone AE | 20860 20860, MD — Zone A |
| zip code | 05640 | 20860 |
| city | 05640 | 20860 |
| state | Connecticut | Maryland |
| state code | CT | MD |
| 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 | 2,598 | 2,598 |
| base flood elevation | 8 ft | 12 ft |
| historical floods | 10 recorded flood events in the past 50 years. Most recent major flood: 2016 | 5 recorded flood events in the past 50 years. Most recent major flood: 2010 |
| nearest water | Susquehanna River (4.1 miles) | Gulf of Mexico (1.9 miles) |
| elevation ft | 1,200 | 1,949 |
| population | 34,857 | 22,696 |
| median home value | 463,741 | 526,719 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $65,703 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $121,204 |
| 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 | 1775C839J | 2354C481J |
| 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.