Flood Zone Comparison
Compare key metrics between 12053 12053, NY — Zone AE and 12523 12523, NY — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12053 12053, NY — Zone AE | 12523 12523, NY — Zone A |
|---|---|---|
| name | 12053 12053, NY — Zone AE | 12523 12523, NY — Zone A |
| zip code | 12053 | 12523 |
| city | 12053 | 12523 |
| state | New York | New York |
| state code | NY | NY |
| 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 | 1,953 | 1,953 |
| base flood elevation | 16 ft | 21 ft |
| historical floods | 8 recorded flood events in the past 50 years. Most recent major flood: 2024 | 15 recorded flood events in the past 50 years. Most recent major flood: 2015 |
| nearest water | Long Island Sound (1.9 miles) | Lake Huron (1.8 miles) |
| elevation ft | 784 | 1,739 |
| population | 42,557 | 14,513 |
| median home value | 686,467 | 173,995 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $54,860 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $173,079 |
| 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 | 9794C273J | 5893C396J |
| 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.