Flood Zone Comparison
Compare key metrics between 32306 32306, FL — Zone A and 48205 48205, MI — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 32306 32306, FL — Zone A | 48205 48205, MI — Zone A |
|---|---|---|
| name | 32306 32306, FL — Zone A | 48205 48205, MI — Zone A |
| zip code | 32306 | 48205 |
| city | 32306 | 48205 |
| state | Florida | Michigan |
| state code | FL | MI |
| category | High Risk | High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | Zone A (High Risk — 100-Year Floodplain, No BFE) |
| 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 | 1,843 | 1,843 |
| base flood elevation | 26 ft | 30 ft |
| historical floods | 0 recorded flood events in the past 50 years | 2 recorded flood events in the past 50 years. Most recent major flood: 2005 |
| nearest water | Gulf of Mexico (3.5 miles) | Atlantic Ocean (1.9 miles) |
| elevation ft | 25 | 1,704 |
| population | 79,673 | 51,621 |
| median home value | 790,083 | 291,159 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $91,100 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $80,209 |
| 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 | 8831C866J | 5567C983J |
| 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.