Flood Zone Comparison
Compare key metrics between 10970 10970, NY — Zone A and 58430 58430, ND — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 10970 10970, NY — Zone A | 58430 58430, ND — Zone A |
|---|---|---|
| name | 10970 10970, NY — Zone A | 58430 58430, ND — Zone A |
| zip code | 10970 | 58430 |
| city | 10970 | 58430 |
| state | New York | North Dakota |
| state code | NY | ND |
| category | High Risk | High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | 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 | 2,613 | 2,613 |
| base flood elevation | 21 ft | 10 ft |
| historical floods | 8 recorded flood events in the past 50 years. Most recent major flood: 2014 | 3 recorded flood events in the past 50 years. Most recent major flood: 2004 |
| nearest water | Galveston Bay (4.5 miles) | Gulf of Mexico (0.9 miles) |
| elevation ft | 1,618 | 1,879 |
| population | 28,747 | 45,642 |
| median home value | 550,496 | 409,977 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $19,138 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $101,442 |
| 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 | 1931C348J | 9709C429J |
| 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.