Flood Zone Comparison
Compare key metrics between 17946 17946, PA — Zone X-shaded and 20645 20645, MD — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 17946 17946, PA — Zone X-shaded | 20645 20645, MD — Zone AE |
|---|---|---|
| name | 17946 17946, PA — Zone X-shaded | 20645 20645, MD — Zone AE |
| zip code | 17946 | 20645 |
| city | 17946 | 20645 |
| state | Pennsylvania | Maryland |
| state code | PA | MD |
| category | Moderate Risk | High Risk |
| flood zone | Zone X-shaded (Moderate Risk — 500-Year Floodplain) | Zone AE (High Risk — 100-Year Floodplain) |
| 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 | 803 | 803 |
| base flood elevation | N/A — not in Special Flood Hazard Area | 25 ft |
| historical floods | 6 recorded flood events in the past 50 years. Most recent major flood: 2011 | 12 recorded flood events in the past 50 years. Most recent major flood: 2006 |
| nearest water | Lake Superior (0.5 miles) | local river (0.7 miles) |
| elevation ft | 985 | 1,012 |
| population | 727 | 3,192 |
| median home value | 239,033 | 513,280 |
| flood damage risk | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $22,130 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $167,865 |
| 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 | 2201C814J | 4030C668J |
| 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.