Flood Zone Comparison
Compare key metrics between 13365 13365, NY — Zone VE and 78828 78828, TX — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 13365 13365, NY — Zone VE | 78828 78828, TX — Zone VE |
|---|---|---|
| name | 13365 13365, NY — Zone VE | 78828 78828, TX — Zone VE |
| zip code | 13365 | 78828 |
| city | 13365 | 78828 |
| state | New York | Texas |
| state code | NY | TX |
| category | Very High Risk | Very High Risk |
| flood zone | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) |
| risk level | Very High Risk | Very High Risk |
| annual flood prob | 1% annual chance with velocity wave action | 1% annual chance with velocity wave action |
| insurance required | Required — highest risk coastal zone | Required — highest risk coastal zone |
| avg annual premium | 5,296 | 5,304 |
| base flood elevation | 17 ft | 17 ft |
| historical floods | 14 recorded flood events in the past 50 years. Most recent major flood: 2011 | 8 recorded flood events in the past 50 years. Most recent major flood: 2020 |
| nearest water | Pacific Ocean (0.9 miles) | Tennessee River (4.7 miles) |
| elevation ft | 103 | 1,570 |
| population | 10,352 | 43,986 |
| median home value | 578,374 | 368,738 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $186,908 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $19,905 |
| mitigation tips | Reinforce foundation against wave action; install storm shutters; elevate entire structure if possible; maintain maximum flood insurance coverage; establish evacuation routes; consider relocating critical infrastructure to upper floors. | Reinforce foundation against wave action; install storm shutters; elevate entire structure if possible; maintain maximum flood insurance coverage; establish evacuation routes; consider relocating critical infrastructure to upper floors. |
| fema map id | 9388C897J | 8217C963J |
| 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.