Flood Zone Comparison
Compare key metrics between 12546 12546, NY — Zone A and 14544 14544, NY — Zone D. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12546 12546, NY — Zone A | 14544 14544, NY — Zone D |
|---|---|---|
| name | 12546 12546, NY — Zone A | 14544 14544, NY — Zone D |
| zip code | 12546 | 14544 |
| city | 12546 | 14544 |
| state | New York | New York |
| state code | NY | NY |
| category | High Risk | Undetermined |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | Zone D (Undetermined Risk — No Analysis Performed) |
| risk level | High Risk | Undetermined |
| annual flood prob | 1% annual chance (100-year flood) | Unknown — flood risk not yet determined by FEMA |
| insurance required | Required for federally-backed mortgages | Recommended — risk is undetermined |
| avg annual premium | 738 | 738 |
| base flood elevation | 26 ft | N/A — not in Special Flood Hazard Area |
| historical floods | 4 recorded flood events in the past 50 years. Most recent major flood: 2010 | 7 recorded flood events in the past 50 years. Most recent major flood: 2013 |
| nearest water | Potomac River (1.7 miles) | Susquehanna River (2.0 miles) |
| elevation ft | 1,930 | 1,874 |
| population | 58,043 | 78,341 |
| median home value | 426,212 | 301,786 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $126,572 | Unknown chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $186,257 |
| 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. | Purchase flood insurance as a precaution; research historical flooding in your area; contact your local floodplain administrator; maintain proper drainage; prepare an emergency kit and evacuation plan. |
| fema map id | 6184C397J | 3668C534J |
| 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.