Flood Zone Comparison
Compare key metrics between 12489 12489, NY — Zone AE and 14777 14777, NY — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12489 12489, NY — Zone AE | 14777 14777, NY — Zone A |
|---|---|---|
| name | 12489 12489, NY — Zone AE | 14777 14777, NY — Zone A |
| zip code | 12489 | 14777 |
| city | 12489 | 14777 |
| state | New York | New York |
| state code | NY | NY |
| category | High Risk | High Risk |
| flood zone | Zone AE (High Risk — 100-Year Floodplain) | Zone A (High Risk — 100-Year Floodplain, No BFE) |
| 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 | 855 | 855 |
| base flood elevation | 26 ft | 17 ft |
| historical floods | 6 recorded flood events in the past 50 years. Most recent major flood: 2015 | 5 recorded flood events in the past 50 years. Most recent major flood: 2004 |
| nearest water | Colorado River (1.9 miles) | Gulf of Mexico (3.4 miles) |
| elevation ft | 237 | 351 |
| population | 7,177 | 75,026 |
| median home value | 645,897 | 394,861 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $116,398 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $121,005 |
| 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 | 7137C728J | 9956C246J |
| 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.