Flood Zone Comparison
Compare key metrics between 13838 13838, NY — Zone VE and 79703 79703, TX — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 13838 13838, NY — Zone VE | 79703 79703, TX — Zone VE |
|---|---|---|
| name | 13838 13838, NY — Zone VE | 79703 79703, TX — Zone VE |
| zip code | 13838 | 79703 |
| city | 13838 | 79703 |
| 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 | 6,354 | 6,353 |
| base flood elevation | 22 ft | 20 ft |
| historical floods | 12 recorded flood events in the past 50 years. Most recent major flood: 2016 | 2 recorded flood events in the past 50 years. Most recent major flood: 2023 |
| nearest water | Arkansas River (0.2 miles) | local river (1.9 miles) |
| elevation ft | 1,617 | 735 |
| population | 52,371 | 7,621 |
| median home value | 131,129 | 171,707 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $105,366 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $103,076 |
| 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 | 2920C977J | 6772C686J |
| 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.