Flood Zone Comparison
Compare key metrics between 12820 12820, NY — Zone VE and 93267 93267, CA — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12820 12820, NY — Zone VE | 93267 93267, CA — Zone VE |
|---|---|---|
| name | 12820 12820, NY — Zone VE | 93267 93267, CA — Zone VE |
| zip code | 12820 | 93267 |
| city | 12820 | 93267 |
| state | New York | California |
| state code | NY | CA |
| category | Very High Risk | Very High Risk |
| flood zone | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) |
| risk level | Very High Risk | Very High Risk |
| annual flood prob | 1% annual chance with velocity wave action | 1% annual chance with velocity wave action |
| insurance required | Required — highest risk coastal zone | Required — highest risk coastal zone |
| avg annual premium | 7,526 | 7,523 |
| base flood elevation | 8 ft | 26 ft |
| historical floods | 14 recorded flood events in the past 50 years. Most recent major flood: 2020 | 13 recorded flood events in the past 50 years. Most recent major flood: 2011 |
| nearest water | Gulf of Mexico (4.9 miles) | Tennessee River (4.2 miles) |
| elevation ft | 203 | 1,366 |
| population | 36,077 | 23,732 |
| median home value | 644,913 | 435,671 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $183,921 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $32,597 |
| mitigation tips | Reinforce foundation against wave action; install storm shutters; elevate entire structure if possible; maintain maximum flood insurance coverage; establish evacuation routes; consider relocating critical infrastructure to upper floors. | Reinforce foundation against wave action; install storm shutters; elevate entire structure if possible; maintain maximum flood insurance coverage; establish evacuation routes; consider relocating critical infrastructure to upper floors. |
| fema map id | 3818C107J | 9366C716J |
| 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.