Flood Zone Comparison
Compare key metrics between 12821 12821, NY — Zone AE and 59263 59263, MT — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12821 12821, NY — Zone AE | 59263 59263, MT — Zone A |
|---|---|---|
| name | 12821 12821, NY — Zone AE | 59263 59263, MT — Zone A |
| zip code | 12821 | 59263 |
| city | 12821 | 59263 |
| state | New York | Montana |
| state code | NY | MT |
| category | High Risk | High Risk |
| flood zone | Zone AE (High Risk — 100-Year Floodplain) | Zone A (High Risk — 100-Year Floodplain, No BFE) |
| 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 | 1,112 | 1,112 |
| base flood elevation | 13 ft | 27 ft |
| historical floods | 1 recorded flood events in the past 50 years. Most recent major flood: 2017 | 5 recorded flood events in the past 50 years. Most recent major flood: 2020 |
| nearest water | drainage canal (0.1 miles) | Arkansas River (3.9 miles) |
| elevation ft | 430 | 6,202 |
| population | 26,886 | 19,793 |
| median home value | 585,126 | 675,783 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $90,441 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $29,304 |
| 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 | 1052C552J | 5280C125J |
| 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.