Flood Zone Comparison
Compare key metrics between 05648 05648, CT — Zone AE and 12604 12604, NY — Zone X-shaded. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 05648 05648, CT — Zone AE | 12604 12604, NY — Zone X-shaded |
|---|---|---|
| name | 05648 05648, CT — Zone AE | 12604 12604, NY — Zone X-shaded |
| zip code | 05648 | 12604 |
| city | 05648 | 12604 |
| state | Connecticut | New York |
| state code | CT | NY |
| category | High Risk | Moderate Risk |
| flood zone | Zone AE (High Risk — 100-Year Floodplain) | Zone X-shaded (Moderate Risk — 500-Year Floodplain) |
| risk level | High Risk | Moderate Risk |
| annual flood prob | 1% annual chance (100-year flood) | 0.2% annual chance (500-year flood) |
| insurance required | Required for federally-backed mortgages | Recommended but not required |
| avg annual premium | 872 | 872 |
| base flood elevation | 29 ft | N/A — not in Special Flood Hazard Area |
| historical floods | 14 recorded flood events in the past 50 years. Most recent major flood: 2018 | 9 recorded flood events in the past 50 years. Most recent major flood: 2024 |
| nearest water | Colorado River (2.5 miles) | Merrimack River (1.2 miles) |
| elevation ft | 753 | 1,640 |
| population | 35,390 | 26,122 |
| median home value | 568,045 | 564,865 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $87,576 | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $43,212 |
| 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. | 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. |
| fema map id | 1098C780J | 8107C551J |
| 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.