Flood Zone Comparison
Compare key metrics between 32145 32145, FL — Zone VE and 35136 35136, AL — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 32145 32145, FL — Zone VE | 35136 35136, AL — Zone VE |
|---|---|---|
| name | 32145 32145, FL — Zone VE | 35136 35136, AL — Zone VE |
| zip code | 32145 | 35136 |
| city | 32145 | 35136 |
| state | Florida | Alabama |
| state code | FL | AL |
| 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 | 6,114 | 6,099 |
| base flood elevation | 7 ft | 7 ft |
| historical floods | 3 recorded flood events in the past 50 years. Most recent major flood: 2023 | 15 recorded flood events in the past 50 years. Most recent major flood: 2024 |
| nearest water | Delaware River (5.0 miles) | Pacific Ocean (0.3 miles) |
| elevation ft | 22 | 318 |
| population | 42,088 | 21,685 |
| median home value | 341,248 | 226,365 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $192,480 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $142,435 |
| 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 | 4569C682J | 1610C613J |
| 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.