Flood Zone Comparison
Compare key metrics between 28119 28119, NC — Zone A and 64491 64491, MO — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 28119 28119, NC — Zone A | 64491 64491, MO — Zone AE |
|---|---|---|
| name | 28119 28119, NC — Zone A | 64491 64491, MO — Zone AE |
| zip code | 28119 | 64491 |
| city | 28119 | 64491 |
| state | North Carolina | Missouri |
| state code | NC | MO |
| 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 | 946 | 946 |
| base flood elevation | 15 ft | 18 ft |
| historical floods | 8 recorded flood events in the past 50 years. Most recent major flood: 2019 | 3 recorded flood events in the past 50 years. Most recent major flood: 2008 |
| nearest water | Hudson River (2.7 miles) | Lake Ontario (2.8 miles) |
| elevation ft | 1,760 | 186 |
| population | 13,238 | 8,850 |
| median home value | 186,152 | 303,002 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $177,995 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $66,829 |
| 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 | 3343C543J | 3105C672J |
| 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.