Flood Zone Comparison
Compare key metrics between 21788 21788, MD — Zone VE and 32754 32754, FL — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 21788 21788, MD — Zone VE | 32754 32754, FL — Zone VE |
|---|---|---|
| name | 21788 21788, MD — Zone VE | 32754 32754, FL — Zone VE |
| zip code | 21788 | 32754 |
| city | 21788 | 32754 |
| state | Maryland | Florida |
| state code | MD | 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 | 4,050 | 4,057 |
| base flood elevation | 17 ft | 19 ft |
| historical floods | 5 recorded flood events in the past 50 years. Most recent major flood: 2013 | 11 recorded flood events in the past 50 years. Most recent major flood: 2018 |
| nearest water | Tampa Bay (1.0 miles) | Pacific Ocean (2.1 miles) |
| elevation ft | 865 | 10 |
| population | 74,617 | 11,838 |
| median home value | 366,158 | 620,855 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $35,442 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $127,530 |
| 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 | 4316C873J | 1212C862J |
| 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.