Flood Zone Comparison
Compare key metrics between 12440 12440, NY — Zone AE and 13658 13658, NY — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12440 12440, NY — Zone AE | 13658 13658, NY — Zone AE |
|---|---|---|
| name | 12440 12440, NY — Zone AE | 13658 13658, NY — Zone AE |
| zip code | 12440 | 13658 |
| city | 12440 | 13658 |
| state | New York | New York |
| state code | NY | NY |
| 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 | 2,926 | 2,926 |
| base flood elevation | 28 ft | 21 ft |
| historical floods | 12 recorded flood events in the past 50 years. Most recent major flood: 2008 | 1 recorded flood events in the past 50 years. Most recent major flood: 2011 |
| nearest water | Chesapeake Bay (1.4 miles) | Tennessee River (4.0 miles) |
| elevation ft | 1,342 | 96 |
| population | 58,886 | 24,993 |
| median home value | 179,103 | 330,024 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $46,009 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $33,052 |
| 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 | 3239C756J | 6506C735J |
| 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.