Flood Zone Comparison
Compare key metrics between 07087 07087, NJ — Zone A and 23235 23235, VA — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 07087 07087, NJ — Zone A | 23235 23235, VA — Zone VE |
|---|---|---|
| name | 07087 07087, NJ — Zone A | 23235 23235, VA — Zone VE |
| zip code | 07087 | 23235 |
| city | 07087 | 23235 |
| state | New Jersey | Virginia |
| state code | NJ | VA |
| category | High Risk | Very High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) |
| risk level | High Risk | Very High Risk |
| annual flood prob | 1% annual chance (100-year flood) | 1% annual chance with velocity wave action |
| insurance required | Required for federally-backed mortgages | Required — highest risk coastal zone |
| avg annual premium | 2,825 | 2,825 |
| base flood elevation | 9 ft | 17 ft |
| historical floods | 0 recorded flood events in the past 50 years | 8 recorded flood events in the past 50 years. Most recent major flood: 2019 |
| nearest water | local stream (0.9 miles) | Long Island Sound (0.3 miles) |
| elevation ft | 1,426 | 341 |
| population | 66,205 | 50,800 |
| median home value | 438,191 | 787,088 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $144,751 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $132,854 |
| 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. | Reinforce foundation against wave action; install storm shutters; elevate entire structure if possible; maintain maximum flood insurance coverage; establish evacuation routes; consider relocating critical infrastructure to upper floors. |
| fema map id | 7149C105J | 1503C784J |
| 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.