Flood Zone Comparison
Compare key metrics between 32309 32309, FL — Zone AE and 32948 32948, FL — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 32309 32309, FL — Zone AE | 32948 32948, FL — Zone A |
|---|---|---|
| name | 32309 32309, FL — Zone AE | 32948 32948, FL — Zone A |
| zip code | 32309 | 32948 |
| city | 32309 | 32948 |
| state | Florida | Florida |
| state code | FL | FL |
| category | High Risk | High Risk |
| flood zone | Zone AE (High Risk — 100-Year Floodplain) | 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 | 1,880 | 1,880 |
| base flood elevation | 30 ft | 18 ft |
| historical floods | 13 recorded flood events in the past 50 years. Most recent major flood: 2014 | 5 recorded flood events in the past 50 years. Most recent major flood: 2019 |
| nearest water | Lake Erie (2.8 miles) | local stream (1.8 miles) |
| elevation ft | 14 | 67 |
| population | 14,969 | 49,739 |
| median home value | 558,435 | 748,564 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $52,797 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $178,809 |
| 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 | 6501C816J | 7296C161J |
| 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.