Flood Zone Comparison
Compare key metrics between 12842 12842, NY — Zone VE and 28803 28803, NC — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12842 12842, NY — Zone VE | 28803 28803, NC — Zone VE |
|---|---|---|
| name | 12842 12842, NY — Zone VE | 28803 28803, NC — Zone VE |
| zip code | 12842 | 28803 |
| city | 12842 | 28803 |
| state | New York | North Carolina |
| state code | NY | NC |
| 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 | 4,013 | 4,017 |
| base flood elevation | 21 ft | 28 ft |
| historical floods | 5 recorded flood events in the past 50 years. Most recent major flood: 2015 | 8 recorded flood events in the past 50 years. Most recent major flood: 2022 |
| nearest water | Chesapeake Bay (0.7 miles) | Hudson River (1.9 miles) |
| elevation ft | 1,461 | 1,509 |
| population | 79,051 | 21,894 |
| median home value | 236,000 | 552,684 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $57,350 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $170,568 |
| 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 | 1172C632J | 1710C133J |
| 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.