Flood Zone Comparison
Compare key metrics between 21040 21040, MD — Zone A and 33538 33538, FL — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 21040 21040, MD — Zone A | 33538 33538, FL — Zone AE |
|---|---|---|
| name | 21040 21040, MD — Zone A | 33538 33538, FL — Zone AE |
| zip code | 21040 | 33538 |
| city | 21040 | 33538 |
| state | Maryland | Florida |
| state code | MD | FL |
| 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 | 1,552 | 1,553 |
| base flood elevation | 8 ft | 29 ft |
| historical floods | 9 recorded flood events in the past 50 years. Most recent major flood: 2004 | 3 recorded flood events in the past 50 years. Most recent major flood: 2007 |
| nearest water | Merrimack River (1.0 miles) | Red River (0.4 miles) |
| elevation ft | 107 | 50 |
| population | 40,527 | 76,956 |
| median home value | 748,594 | 160,534 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $98,699 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $65,462 |
| 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 | 8631C722J | 3521C684J |
| 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.