Flood Zone Comparison
Compare key metrics between 12480 12480, NY — Zone AE and 49254 49254, MI — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12480 12480, NY — Zone AE | 49254 49254, MI — Zone AE |
|---|---|---|
| name | 12480 12480, NY — Zone AE | 49254 49254, MI — Zone AE |
| zip code | 12480 | 49254 |
| city | 12480 | 49254 |
| 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 | 1,484 | 1,484 |
| base flood elevation | 7 ft | 16 ft |
| historical floods | 8 recorded flood events in the past 50 years. Most recent major flood: 2009 | 4 recorded flood events in the past 50 years. Most recent major flood: 2007 |
| nearest water | Ohio River (0.4 miles) | Tampa Bay (1.6 miles) |
| elevation ft | 911 | 1,443 |
| population | 22,968 | 37,211 |
| median home value | 354,895 | 796,092 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $188,032 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $64,801 |
| 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 | 3850C615J | 7917C424J |
| 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.