Flood Zone Comparison
Compare key metrics between 32114 32114, FL — Zone AE and 49706 49706, MI — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 32114 32114, FL — Zone AE | 49706 49706, MI — Zone AE |
|---|---|---|
| name | 32114 32114, FL — Zone AE | 49706 49706, MI — Zone AE |
| zip code | 32114 | 49706 |
| city | 32114 | 49706 |
| state | Florida | Michigan |
| state code | FL | MI |
| category | High Risk | High Risk |
| flood zone | Zone AE (High Risk — 100-Year Floodplain) | 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 | 3,123 | 3,123 |
| base flood elevation | 27 ft | 20 ft |
| historical floods | 10 recorded flood events in the past 50 years. Most recent major flood: 2015 | 4 recorded flood events in the past 50 years. Most recent major flood: 2024 |
| nearest water | Chesapeake Bay (0.2 miles) | Pacific Ocean (0.2 miles) |
| elevation ft | 89 | 1,150 |
| population | 18,450 | 40,053 |
| median home value | 726,376 | 445,502 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $173,776 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $71,853 |
| 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 | 9929C835J | 5115C830J |
| 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.