Flood Zone Comparison
Compare key metrics between 12785 12785, NY — Zone A and 40280 40280, KY — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12785 12785, NY — Zone A | 40280 40280, KY — Zone AE |
|---|---|---|
| name | 12785 12785, NY — Zone A | 40280 40280, KY — Zone AE |
| zip code | 12785 | 40280 |
| city | 12785 | 40280 |
| state | New York | Kentucky |
| state code | NY | KY |
| 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 | 1,270 | 1,270 |
| base flood elevation | 26 ft | 6 ft |
| historical floods | 0 recorded flood events in the past 50 years | 0 recorded flood events in the past 50 years |
| nearest water | Arkansas River (3.1 miles) | Merrimack River (4.6 miles) |
| elevation ft | 975 | 1,071 |
| population | 70,906 | 5,366 |
| median home value | 261,618 | 186,342 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $15,507 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $131,767 |
| 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 | 6923C125J | 2600C674J |
| 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.