Flood Zone Comparison
Compare key metrics between 13116 13116, NY — Zone AE and 28612 28612, NC — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 13116 13116, NY — Zone AE | 28612 28612, NC — Zone AE |
|---|---|---|
| name | 13116 13116, NY — Zone AE | 28612 28612, NC — Zone AE |
| zip code | 13116 | 28612 |
| city | 13116 | 28612 |
| state | New York | North Carolina |
| state code | NY | NC |
| 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 | 1,430 | 1,430 |
| base flood elevation | 8 ft | 12 ft |
| historical floods | 8 recorded flood events in the past 50 years. Most recent major flood: 2014 | 4 recorded flood events in the past 50 years. Most recent major flood: 2020 |
| nearest water | Gulf of Mexico (4.5 miles) | Atlantic Ocean (0.4 miles) |
| elevation ft | 645 | 270 |
| population | 21,429 | 29,323 |
| median home value | 534,454 | 381,868 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $154,916 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $135,267 |
| 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 | 3453C934J | 1859C626J |
| 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.