Flood Zone Comparison
Compare key metrics between 12957 12957, NY — Zone A and 14735 14735, NY — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12957 12957, NY — Zone A | 14735 14735, NY — Zone AE |
|---|---|---|
| name | 12957 12957, NY — Zone A | 14735 14735, NY — Zone AE |
| zip code | 12957 | 14735 |
| city | 12957 | 14735 |
| state | New York | New York |
| state code | NY | NY |
| 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 | 1,909 | 1,909 |
| base flood elevation | 16 ft | 8 ft |
| historical floods | 13 recorded flood events in the past 50 years. Most recent major flood: 2004 | 12 recorded flood events in the past 50 years. Most recent major flood: 2023 |
| nearest water | Merrimack River (0.8 miles) | Arkansas River (2.0 miles) |
| elevation ft | 948 | 155 |
| population | 18,177 | 21,983 |
| median home value | 519,617 | 210,756 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $87,786 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $198,480 |
| 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 | 2946C479J | 9420C229J |
| 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.