Flood Zone Comparison
Compare key metrics between 28581 28581, NC — Zone VE and 32361 32361, FL — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 28581 28581, NC — Zone VE | 32361 32361, FL — Zone AE |
|---|---|---|
| name | 28581 28581, NC — Zone VE | 32361 32361, FL — Zone AE |
| zip code | 28581 | 32361 |
| city | 28581 | 32361 |
| state | North Carolina | Florida |
| state code | NC | FL |
| category | Very High Risk | High Risk |
| flood zone | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) | Zone AE (High Risk — 100-Year Floodplain) |
| risk level | Very High Risk | High Risk |
| annual flood prob | 1% annual chance with velocity wave action | 1% annual chance (100-year flood) |
| insurance required | Required — highest risk coastal zone | Required for federally-backed mortgages |
| avg annual premium | 3,400 | 3,399 |
| base flood elevation | 11 ft | 27 ft |
| historical floods | 15 recorded flood events in the past 50 years. Most recent major flood: 2005 | 5 recorded flood events in the past 50 years. Most recent major flood: 2019 |
| nearest water | Colorado River (0.5 miles) | Ohio River (2.8 miles) |
| elevation ft | 1,463 | 20 |
| population | 9,681 | 15,360 |
| median home value | 507,465 | 165,230 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $73,829 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $138,098 |
| 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. | 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 | 4176C245J | 1336C288J |
| 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.