Flood Zone Comparison
Compare key metrics between 28208 28208, NC — Zone VE and 32162 32162, FL — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 28208 28208, NC — Zone VE | 32162 32162, FL — Zone VE |
|---|---|---|
| name | 28208 28208, NC — Zone VE | 32162 32162, FL — Zone VE |
| zip code | 28208 | 32162 |
| city | 28208 | 32162 |
| state | North Carolina | Florida |
| state code | NC | 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 | 7,587 | 7,573 |
| base flood elevation | 28 ft | 21 ft |
| historical floods | 6 recorded flood events in the past 50 years. Most recent major flood: 2008 | 10 recorded flood events in the past 50 years. Most recent major flood: 2010 |
| nearest water | Lake Superior (0.8 miles) | Tennessee River (1.8 miles) |
| elevation ft | 61 | 20 |
| population | 34,983 | 25,989 |
| median home value | 271,784 | 139,885 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $101,581 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $123,511 |
| 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 | 6040C200J | 2089C244J |
| 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.