Flood Zone Comparison
Compare key metrics between 07838 07838, NJ — Zone X and 14889 14889, NY — Zone X. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 07838 07838, NJ — Zone X | 14889 14889, NY — Zone X |
|---|---|---|
| name | 07838 07838, NJ — Zone X | 14889 14889, NY — Zone X |
| zip code | 07838 | 14889 |
| city | 07838 | 14889 |
| state | New Jersey | New York |
| state code | NJ | NY |
| category | Low Risk | Low Risk |
| flood zone | Zone X (Low Risk — Minimal Flood Hazard) | Zone X (Low Risk — Minimal Flood Hazard) |
| risk level | Low Risk | Low Risk |
| annual flood prob | Less than 0.2% annual chance | Less than 0.2% annual chance |
| insurance required | Optional — minimal flood hazard area | Optional — minimal flood hazard area |
| avg annual premium | 208 | 208 |
| base flood elevation | N/A — not in Special Flood Hazard Area | N/A — not in Special Flood Hazard Area |
| historical floods | 2 recorded flood events in the past 50 years. Most recent major flood: 2012 | 1 recorded flood events in the past 50 years. Most recent major flood: 2022 |
| nearest water | Tampa Bay (2.6 miles) | Lake Ontario (3.7 miles) |
| elevation ft | 1,405 | 398 |
| population | 27,372 | 45,021 |
| median home value | 410,797 | 777,686 |
| flood damage risk | 5-10% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $19,857 | 5-10% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $42,327 |
| mitigation tips | 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. | 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 | 4946C959J | 5536C407J |
| 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.