Flood Zone Comparison
Compare key metrics between 12309 12309, NY — Zone AE and 27202 27202, NC — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12309 12309, NY — Zone AE | 27202 27202, NC — Zone AE |
|---|---|---|
| name | 12309 12309, NY — Zone AE | 27202 27202, NC — Zone AE |
| zip code | 12309 | 27202 |
| city | 12309 | 27202 |
| state | New York | North Carolina |
| state code | NY | NC |
| 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 | 3,484 | 3,484 |
| base flood elevation | 23 ft | 21 ft |
| historical floods | 11 recorded flood events in the past 50 years. Most recent major flood: 2011 | 2 recorded flood events in the past 50 years. Most recent major flood: 2013 |
| nearest water | James River (3.0 miles) | local river (4.9 miles) |
| elevation ft | 1,920 | 1,395 |
| population | 54,750 | 23,797 |
| median home value | 684,253 | 739,833 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $133,230 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $50,393 |
| 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 | 6689C662J | 9764C351J |
| 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.