Flood Zone Comparison
Compare key metrics between 12197 12197, NY — Zone A and 33946 33946, FL — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12197 12197, NY — Zone A | 33946 33946, FL — Zone VE |
|---|---|---|
| name | 12197 12197, NY — Zone A | 33946 33946, FL — Zone VE |
| zip code | 12197 | 33946 |
| city | 12197 | 33946 |
| state | New York | Florida |
| state code | NY | FL |
| category | High Risk | Very High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) |
| risk level | High Risk | Very High Risk |
| annual flood prob | 1% annual chance (100-year flood) | 1% annual chance with velocity wave action |
| insurance required | Required for federally-backed mortgages | Required — highest risk coastal zone |
| avg annual premium | 2,512 | 2,512 |
| base flood elevation | 30 ft | 12 ft |
| historical floods | 14 recorded flood events in the past 50 years. Most recent major flood: 2008 | 8 recorded flood events in the past 50 years. Most recent major flood: 2016 |
| nearest water | Lake Ontario (0.8 miles) | Mississippi River (1.2 miles) |
| elevation ft | 1,942 | 49 |
| population | 12,506 | 15,582 |
| median home value | 257,723 | 368,325 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $108,480 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $197,131 |
| 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. | Reinforce foundation against wave action; install storm shutters; elevate entire structure if possible; maintain maximum flood insurance coverage; establish evacuation routes; consider relocating critical infrastructure to upper floors. |
| fema map id | 5996C226J | 2779C613J |
| 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.