Flood Zone Comparison
Compare key metrics between 12822 12822, NY — Zone AE and 32963 32963, FL — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12822 12822, NY — Zone AE | 32963 32963, FL — Zone A |
|---|---|---|
| name | 12822 12822, NY — Zone AE | 32963 32963, FL — Zone A |
| zip code | 12822 | 32963 |
| city | 12822 | 32963 |
| state | New York | Florida |
| state code | NY | FL |
| 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 | 2,651 | 2,651 |
| base flood elevation | 13 ft | 8 ft |
| historical floods | 4 recorded flood events in the past 50 years. Most recent major flood: 2024 | 6 recorded flood events in the past 50 years. Most recent major flood: 2008 |
| nearest water | Lake Ontario (2.4 miles) | Connecticut River (4.5 miles) |
| elevation ft | 185 | 7 |
| population | 54,721 | 39,972 |
| median home value | 191,324 | 781,111 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $47,799 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $30,672 |
| 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 | 3733C918J | 4637C640J |
| 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.