Flood Zone Comparison
Compare key metrics between 12586 12586, NY — Zone A and 23224 23224, VA — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12586 12586, NY — Zone A | 23224 23224, VA — Zone AE |
|---|---|---|
| name | 12586 12586, NY — Zone A | 23224 23224, VA — Zone AE |
| zip code | 12586 | 23224 |
| city | 12586 | 23224 |
| state | New York | Virginia |
| state code | NY | VA |
| 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 | 2,536 | 2,536 |
| base flood elevation | 22 ft | 26 ft |
| historical floods | 2 recorded flood events in the past 50 years. Most recent major flood: 2013 | 0 recorded flood events in the past 50 years |
| nearest water | Lake Erie (2.6 miles) | Connecticut River (2.2 miles) |
| elevation ft | 747 | 1,846 |
| population | 8,343 | 76,709 |
| median home value | 311,683 | 247,574 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $197,140 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $67,540 |
| 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 | 4799C793J | 9616C806J |
| 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.