Flood Zone Comparison
Compare key metrics between 12865 12865, NY — Zone X and 13321 13321, NY — Zone X. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12865 12865, NY — Zone X | 13321 13321, NY — Zone X |
|---|---|---|
| name | 12865 12865, NY — Zone X | 13321 13321, NY — Zone X |
| zip code | 12865 | 13321 |
| city | 12865 | 13321 |
| state | New York | New York |
| state code | NY | NY |
| category | Low Risk | Low Risk |
| flood zone | Zone X (Low Risk — Minimal Flood Hazard) | Zone X (Low Risk — Minimal Flood Hazard) |
| risk level | Low Risk | Low Risk |
| annual flood prob | Less than 0.2% annual chance | Less than 0.2% annual chance |
| insurance required | Optional — minimal flood hazard area | Optional — minimal flood hazard area |
| avg annual premium | 386 | 386 |
| base flood elevation | N/A — not in Special Flood Hazard Area | N/A — not in Special Flood Hazard Area |
| historical floods | 1 recorded flood events in the past 50 years. Most recent major flood: 2012 | 2 recorded flood events in the past 50 years. Most recent major flood: 2020 |
| nearest water | Merrimack River (0.3 miles) | Atlantic Ocean (4.4 miles) |
| elevation ft | 924 | 266 |
| population | 21,978 | 62,548 |
| median home value | 121,786 | 418,035 |
| flood damage risk | 5-10% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $108,409 | 5-10% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $126,330 |
| mitigation tips | While flood risk is minimal, consider affordable flood insurance; maintain proper drainage around foundation; keep storm drains clear; be aware that 25% of flood claims come from low-risk zones; have an emergency plan. | While flood risk is minimal, consider affordable flood insurance; maintain proper drainage around foundation; keep storm drains clear; be aware that 25% of flood claims come from low-risk zones; have an emergency plan. |
| fema map id | 5364C995J | 5323C652J |
| 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.