Flood Zone Comparison
Compare key metrics between 13865 13865, NY — Zone VE and 32580 32580, FL — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 13865 13865, NY — Zone VE | 32580 32580, FL — Zone VE |
|---|---|---|
| name | 13865 13865, NY — Zone VE | 32580 32580, FL — Zone VE |
| zip code | 13865 | 32580 |
| city | 13865 | 32580 |
| state | New York | Florida |
| state code | NY | FL |
| 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 | 5,522 | 5,514 |
| base flood elevation | 11 ft | 17 ft |
| historical floods | 2 recorded flood events in the past 50 years. Most recent major flood: 2020 | 12 recorded flood events in the past 50 years. Most recent major flood: 2006 |
| nearest water | Missouri River (0.9 miles) | Colorado River (4.8 miles) |
| elevation ft | 1,289 | 69 |
| population | 57,731 | 78,229 |
| median home value | 471,117 | 181,266 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $10,872 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $88,125 |
| 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 | 7107C470J | 9364C311J |
| 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.