Flood Zone Comparison
Compare key metrics between 12997 12997, NY — Zone X and 21632 21632, MD — Zone X. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 12997 12997, NY — Zone X | 21632 21632, MD — Zone X |
|---|---|---|
| name | 12997 12997, NY — Zone X | 21632 21632, MD — Zone X |
| zip code | 12997 | 21632 |
| city | 12997 | 21632 |
| state | New York | Maryland |
| state code | NY | MD |
| 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 | 307 | 307 |
| base flood elevation | N/A — not in Special Flood Hazard Area | N/A — not in Special Flood Hazard Area |
| historical floods | 2 recorded flood events in the past 50 years. Most recent major flood: 2005 | 2 recorded flood events in the past 50 years. Most recent major flood: 2004 |
| nearest water | Missouri River (2.7 miles) | Connecticut River (4.2 miles) |
| elevation ft | 978 | 309 |
| population | 29,375 | 45,018 |
| median home value | 476,637 | 266,771 |
| flood damage risk | 5-10% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $125,800 | 5-10% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $175,446 |
| 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 | 5984C201J | 6912C574J |
| 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.