Flood Zone Comparison
Compare key metrics between 13028 13028, NY — Zone X-shaded and 13732 13732, NY — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 13028 13028, NY — Zone X-shaded | 13732 13732, NY — Zone A |
|---|---|---|
| name | 13028 13028, NY — Zone X-shaded | 13732 13732, NY — Zone A |
| zip code | 13028 | 13732 |
| city | 13028 | 13732 |
| state | New York | New York |
| state code | NY | NY |
| category | Moderate Risk | High Risk |
| flood zone | Zone X-shaded (Moderate Risk — 500-Year Floodplain) | Zone A (High Risk — 100-Year Floodplain, No BFE) |
| risk level | Moderate Risk | High Risk |
| annual flood prob | 0.2% annual chance (500-year flood) | 1% annual chance (100-year flood) |
| insurance required | Recommended but not required | Required for federally-backed mortgages |
| avg annual premium | 814 | 814 |
| base flood elevation | N/A — not in Special Flood Hazard Area | 21 ft |
| historical floods | 2 recorded flood events in the past 50 years. Most recent major flood: 2020 | 5 recorded flood events in the past 50 years. Most recent major flood: 2018 |
| nearest water | drainage canal (2.2 miles) | Potomac River (0.7 miles) |
| elevation ft | 481 | 168 |
| population | 3,024 | 77,841 |
| median home value | 116,150 | 609,562 |
| flood damage risk | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $12,917 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $78,860 |
| mitigation tips | Consider purchasing flood insurance even though not required; install backflow preventers on sewer lines; grade your lot to direct water away from foundation; keep gutters and drainage clear; know your evacuation route. | 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 | 7037C281J | 9592C353J |
| 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.