Flood Zone Comparison
Compare key metrics between 12431 12431, NY — Zone X-shaded and 24086 24086, VA — Zone X-shaded. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12431 12431, NY — Zone X-shaded | 24086 24086, VA — Zone X-shaded |
|---|---|---|
| name | 12431 12431, NY — Zone X-shaded | 24086 24086, VA — Zone X-shaded |
| zip code | 12431 | 24086 |
| city | 12431 | 24086 |
| state | New York | Virginia |
| state code | NY | VA |
| category | Moderate Risk | Moderate Risk |
| flood zone | Zone X-shaded (Moderate Risk — 500-Year Floodplain) | Zone X-shaded (Moderate Risk — 500-Year Floodplain) |
| risk level | Moderate Risk | Moderate Risk |
| annual flood prob | 0.2% annual chance (500-year flood) | 0.2% annual chance (500-year flood) |
| insurance required | Recommended but not required | Recommended but not required |
| avg annual premium | 671 | 671 |
| base flood elevation | N/A — not in Special Flood Hazard Area | N/A — not in Special Flood Hazard Area |
| historical floods | 12 recorded flood events in the past 50 years. Most recent major flood: 2024 | 12 recorded flood events in the past 50 years. Most recent major flood: 2008 |
| nearest water | Potomac River (2.0 miles) | Potomac River (0.3 miles) |
| elevation ft | 1,579 | 696 |
| population | 43,916 | 47,112 |
| median home value | 539,051 | 348,626 |
| flood damage risk | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $98,593 | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $61,533 |
| mitigation tips | Consider purchasing flood insurance even though not required; install backflow preventers on sewer lines; grade your lot to direct water away from foundation; keep gutters and drainage clear; know your evacuation route. | Consider purchasing flood insurance even though not required; install backflow preventers on sewer lines; grade your lot to direct water away from foundation; keep gutters and drainage clear; know your evacuation route. |
| fema map id | 3348C681J | 6448C994J |
| 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.