Flood Zone Comparison
Compare key metrics between 12491 12491, NY — Zone A and 12918 12918, NY — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12491 12491, NY — Zone A | 12918 12918, NY — Zone AE |
|---|---|---|
| name | 12491 12491, NY — Zone A | 12918 12918, NY — Zone AE |
| zip code | 12491 | 12918 |
| city | 12491 | 12918 |
| state | New York | New York |
| state code | NY | NY |
| category | High Risk | High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | 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 | 2,111 | 2,111 |
| base flood elevation | 6 ft | 9 ft |
| historical floods | 6 recorded flood events in the past 50 years. Most recent major flood: 2018 | 11 recorded flood events in the past 50 years. Most recent major flood: 2007 |
| nearest water | Potomac River (3.6 miles) | Savannah River (3.7 miles) |
| elevation ft | 171 | 195 |
| population | 42,847 | 4,462 |
| median home value | 333,745 | 634,498 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $91,911 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $17,437 |
| 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 | 3825C199J | 4424C525J |
| 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.