Flood Zone Comparison
Compare key metrics between 12886 12886, NY — Zone A and 23692 23692, VA — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12886 12886, NY — Zone A | 23692 23692, VA — Zone AE |
|---|---|---|
| name | 12886 12886, NY — Zone A | 23692 23692, VA — Zone AE |
| zip code | 12886 | 23692 |
| city | 12886 | 23692 |
| state | New York | Virginia |
| state code | NY | VA |
| category | High Risk | High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | Zone AE (High Risk — 100-Year Floodplain) |
| 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 | 2,817 | 2,817 |
| base flood elevation | 11 ft | 6 ft |
| historical floods | 12 recorded flood events in the past 50 years. Most recent major flood: 2005 | 6 recorded flood events in the past 50 years. Most recent major flood: 2024 |
| nearest water | Delaware River (2.8 miles) | local creek (3.4 miles) |
| elevation ft | 706 | 1,549 |
| population | 52,828 | 52,427 |
| median home value | 413,822 | 339,060 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $166,169 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $37,483 |
| 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 | 4476C753J | 1983C335J |
| 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.