Flood Zone Comparison
Compare key metrics between 10538 10538, NY — Zone AE and 40442 40442, KY — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 10538 10538, NY — Zone AE | 40442 40442, KY — Zone AE |
|---|---|---|
| name | 10538 10538, NY — Zone AE | 40442 40442, KY — Zone AE |
| zip code | 10538 | 40442 |
| city | 10538 | 40442 |
| state | New York | Kentucky |
| state code | NY | KY |
| category | High Risk | High Risk |
| flood zone | Zone AE (High Risk — 100-Year Floodplain) | Zone AE (High Risk — 100-Year Floodplain) |
| 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 | 1,222 | 1,222 |
| base flood elevation | 29 ft | 12 ft |
| historical floods | 10 recorded flood events in the past 50 years. Most recent major flood: 2011 | 6 recorded flood events in the past 50 years. Most recent major flood: 2023 |
| nearest water | Savannah River (0.4 miles) | Lake Michigan (0.2 miles) |
| elevation ft | 461 | 1,187 |
| population | 6,226 | 73,785 |
| median home value | 550,347 | 168,099 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $171,843 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $101,094 |
| 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 | 6668C848J | 7919C882J |
| 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.