Flood Zone Comparison
Compare key metrics between 18951 18951, PA — Zone A and 20877 20877, MD — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 18951 18951, PA — Zone A | 20877 20877, MD — Zone AE |
|---|---|---|
| name | 18951 18951, PA — Zone A | 20877 20877, MD — Zone AE |
| zip code | 18951 | 20877 |
| city | 18951 | 20877 |
| state | Pennsylvania | Maryland |
| state code | PA | MD |
| category | High Risk | High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | 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 | 1,759 | 1,759 |
| base flood elevation | 14 ft | 17 ft |
| historical floods | 15 recorded flood events in the past 50 years. Most recent major flood: 2023 | 14 recorded flood events in the past 50 years. Most recent major flood: 2021 |
| nearest water | Lake Huron (4.4 miles) | local creek (0.5 miles) |
| elevation ft | 1,061 | 927 |
| population | 43,495 | 28,416 |
| median home value | 750,688 | 391,191 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $39,284 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $109,645 |
| 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 | 6828C922J | 5579C751J |
| 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.