Flood Zone Comparison
Compare key metrics between 28582 28582, NC — Zone VE and 39328 39328, MS — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 28582 28582, NC — Zone VE | 39328 39328, MS — Zone VE |
|---|---|---|
| name | 28582 28582, NC — Zone VE | 39328 39328, MS — Zone VE |
| zip code | 28582 | 39328 |
| city | 28582 | 39328 |
| state | North Carolina | Mississippi |
| state code | NC | MS |
| 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 | 3,652 | 3,641 |
| base flood elevation | 28 ft | 17 ft |
| historical floods | 10 recorded flood events in the past 50 years. Most recent major flood: 2022 | 13 recorded flood events in the past 50 years. Most recent major flood: 2004 |
| nearest water | Chesapeake Bay (1.2 miles) | Chesapeake Bay (4.5 miles) |
| elevation ft | 397 | 859 |
| population | 17,167 | 70,186 |
| median home value | 118,189 | 665,817 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $32,787 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $176,908 |
| 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 | 9105C550J | 7538C441J |
| 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.