Flood Zone Comparison
Compare key metrics between 12460 12460, NY — Zone AE and 49637 49637, MI — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12460 12460, NY — Zone AE | 49637 49637, MI — Zone AE |
|---|---|---|
| name | 12460 12460, NY — Zone AE | 49637 49637, MI — Zone AE |
| zip code | 12460 | 49637 |
| city | 12460 | 49637 |
| state | New York | Michigan |
| state code | NY | MI |
| 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 | 3,421 | 3,421 |
| base flood elevation | 18 ft | 23 ft |
| historical floods | 14 recorded flood events in the past 50 years. Most recent major flood: 2023 | 6 recorded flood events in the past 50 years. Most recent major flood: 2006 |
| nearest water | Arkansas River (3.1 miles) | Susquehanna River (3.1 miles) |
| elevation ft | 119 | 57 |
| population | 58,125 | 55,857 |
| median home value | 678,654 | 165,534 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $84,777 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $171,535 |
| 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 | 7706C199J | 2321C245J |
| 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.