Flood Zone Comparison
Compare key metrics between 20776 20776, MD — Zone AE and 32114 32114, FL — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 20776 20776, MD — Zone AE | 32114 32114, FL — Zone AE |
|---|---|---|
| name | 20776 20776, MD — Zone AE | 32114 32114, FL — Zone AE |
| zip code | 20776 | 32114 |
| city | 20776 | 32114 |
| state | Maryland | Florida |
| state code | MD | FL |
| category | High Risk | High Risk |
| flood zone | Zone AE (High Risk — 100-Year Floodplain) | 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 | 3,122 | 3,123 |
| base flood elevation | 17 ft | 27 ft |
| historical floods | 8 recorded flood events in the past 50 years. Most recent major flood: 2013 | 10 recorded flood events in the past 50 years. Most recent major flood: 2015 |
| nearest water | local creek (4.9 miles) | Chesapeake Bay (0.2 miles) |
| elevation ft | 578 | 89 |
| population | 42,634 | 18,450 |
| median home value | 532,106 | 726,376 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $132,108 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $173,776 |
| 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 | 1855C483J | 9929C835J |
| 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.