Flood Zone Comparison
Compare key metrics between 12981 12981, NY — Zone AE and 44645 44645, OH — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12981 12981, NY — Zone AE | 44645 44645, OH — Zone AE |
|---|---|---|
| name | 12981 12981, NY — Zone AE | 44645 44645, OH — Zone AE |
| zip code | 12981 | 44645 |
| city | 12981 | 44645 |
| state | New York | Ohio |
| state code | NY | OH |
| category | High Risk | High Risk |
| flood zone | Zone AE (High Risk — 100-Year Floodplain) | 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 | 1,999 | 1,999 |
| base flood elevation | 25 ft | 25 ft |
| historical floods | 11 recorded flood events in the past 50 years. Most recent major flood: 2018 | 8 recorded flood events in the past 50 years. Most recent major flood: 2018 |
| nearest water | local stream (1.5 miles) | Long Island Sound (3.8 miles) |
| elevation ft | 128 | 451 |
| population | 18,283 | 71,512 |
| median home value | 212,766 | 563,149 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $53,429 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $44,029 |
| 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 | 1608C364J | 5209C285J |
| 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.