Flood Zone Comparison
Compare key metrics between 31543 31543, GA — Zone A and 40447 40447, KY — Zone X-shaded. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 31543 31543, GA — Zone A | 40447 40447, KY — Zone X-shaded |
|---|---|---|
| name | 31543 31543, GA — Zone A | 40447 40447, KY — Zone X-shaded |
| zip code | 31543 | 40447 |
| city | 31543 | 40447 |
| state | Georgia | Kentucky |
| state code | GA | KY |
| category | High Risk | Moderate Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | Zone X-shaded (Moderate Risk — 500-Year Floodplain) |
| risk level | High Risk | Moderate Risk |
| annual flood prob | 1% annual chance (100-year flood) | 0.2% annual chance (500-year flood) |
| insurance required | Required for federally-backed mortgages | Recommended but not required |
| avg annual premium | 831 | 831 |
| base flood elevation | 22 ft | N/A — not in Special Flood Hazard Area |
| historical floods | 1 recorded flood events in the past 50 years. Most recent major flood: 2008 | 3 recorded flood events in the past 50 years. Most recent major flood: 2022 |
| nearest water | retention pond (2.4 miles) | Missouri River (2.7 miles) |
| elevation ft | 609 | 1,349 |
| population | 20,808 | 4,424 |
| median home value | 169,708 | 634,662 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $24,164 | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $178,992 |
| 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. | Consider purchasing flood insurance even though not required; install backflow preventers on sewer lines; grade your lot to direct water away from foundation; keep gutters and drainage clear; know your evacuation route. |
| fema map id | 5518C270J | 2007C374J |
| 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.