Flood Zone Comparison
Compare key metrics between 23856 23856, VA — Zone A and 28654 28654, NC — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 23856 23856, VA — Zone A | 28654 28654, NC — Zone AE |
|---|---|---|
| name | 23856 23856, VA — Zone A | 28654 28654, NC — Zone AE |
| zip code | 23856 | 28654 |
| city | 23856 | 28654 |
| state | Virginia | North Carolina |
| state code | VA | NC |
| 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 | 2,496 | 2,496 |
| base flood elevation | 10 ft | 24 ft |
| historical floods | 1 recorded flood events in the past 50 years. Most recent major flood: 2005 | 15 recorded flood events in the past 50 years. Most recent major flood: 2019 |
| nearest water | Tampa Bay (3.5 miles) | retention pond (2.9 miles) |
| elevation ft | 374 | 1,239 |
| population | 59,520 | 40,235 |
| median home value | 409,365 | 209,225 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $73,852 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $12,289 |
| 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 | 1660C947J | 3756C241J |
| 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.