Flood Zone Comparison
Compare key metrics between 12777 12777, NY — Zone AE and 49769 49769, MI — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12777 12777, NY — Zone AE | 49769 49769, MI — Zone AE |
|---|---|---|
| name | 12777 12777, NY — Zone AE | 49769 49769, MI — Zone AE |
| zip code | 12777 | 49769 |
| city | 12777 | 49769 |
| 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 | 2,126 | 2,126 |
| base flood elevation | 16 ft | 15 ft |
| historical floods | 8 recorded flood events in the past 50 years. Most recent major flood: 2015 | 0 recorded flood events in the past 50 years |
| nearest water | Merrimack River (2.2 miles) | Long Island Sound (4.5 miles) |
| elevation ft | 652 | 1,236 |
| population | 24,859 | 3,733 |
| median home value | 115,040 | 402,506 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $127,138 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $117,520 |
| 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 | 2831C324J | 8556C560J |
| 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.