Flood Zone Comparison
Compare key metrics between 08873 08873, NJ — Zone AE and 81649 81649, CO — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 08873 08873, NJ — Zone AE | 81649 81649, CO — Zone A |
|---|---|---|
| name | 08873 08873, NJ — Zone AE | 81649 81649, CO — Zone A |
| zip code | 08873 | 81649 |
| city | 08873 | 81649 |
| state | New Jersey | Colorado |
| state code | NJ | CO |
| 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 | 1,541 | 1,541 |
| base flood elevation | 8 ft | 27 ft |
| historical floods | 9 recorded flood events in the past 50 years. Most recent major flood: 2024 | 7 recorded flood events in the past 50 years. Most recent major flood: 2016 |
| nearest water | Columbia River (4.9 miles) | Red River (0.2 miles) |
| elevation ft | 1,828 | 7,799 |
| population | 58,464 | 48,922 |
| median home value | 678,091 | 605,051 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $29,076 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $183,293 |
| 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 | 6144C855J | 3247C366J |
| 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.