Flood Zone Comparison
Compare key metrics between 23324 23324, VA — Zone A and 39428 39428, MS — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 23324 23324, VA — Zone A | 39428 39428, MS — Zone VE |
|---|---|---|
| name | 23324 23324, VA — Zone A | 39428 39428, MS — Zone VE |
| zip code | 23324 | 39428 |
| city | 23324 | 39428 |
| state | Virginia | Mississippi |
| state code | VA | MS |
| category | High Risk | Very High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) |
| risk level | High Risk | Very High Risk |
| annual flood prob | 1% annual chance (100-year flood) | 1% annual chance with velocity wave action |
| insurance required | Required for federally-backed mortgages | Required — highest risk coastal zone |
| avg annual premium | 2,928 | 2,928 |
| base flood elevation | 17 ft | 13 ft |
| historical floods | 7 recorded flood events in the past 50 years. Most recent major flood: 2005 | 0 recorded flood events in the past 50 years |
| nearest water | Lake Erie (5.0 miles) | Connecticut River (4.2 miles) |
| elevation ft | 1,647 | 1,518 |
| population | 2,255 | 31,767 |
| median home value | 465,211 | 288,488 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $38,126 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $174,646 |
| 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. | 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 | 7924C114J | 8897C135J |
| 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.