Flood Zone Comparison
Compare key metrics between 32438 32438, FL — Zone VE and 67105 67105, KS — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 32438 32438, FL — Zone VE | 67105 67105, KS — Zone A |
|---|---|---|
| name | 32438 32438, FL — Zone VE | 67105 67105, KS — Zone A |
| zip code | 32438 | 67105 |
| city | 32438 | 67105 |
| state | Florida | Kansas |
| state code | FL | KS |
| category | Very High Risk | High Risk |
| flood zone | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) | Zone A (High Risk — 100-Year Floodplain, No BFE) |
| risk level | Very High Risk | High Risk |
| annual flood prob | 1% annual chance with velocity wave action | 1% annual chance (100-year flood) |
| insurance required | Required — highest risk coastal zone | Required for federally-backed mortgages |
| avg annual premium | 2,159 | 2,159 |
| base flood elevation | 29 ft | 19 ft |
| historical floods | 9 recorded flood events in the past 50 years. Most recent major flood: 2010 | 13 recorded flood events in the past 50 years. Most recent major flood: 2020 |
| nearest water | local stream (1.5 miles) | Connecticut River (2.6 miles) |
| elevation ft | 32 | 1,016 |
| population | 60,578 | 6,809 |
| median home value | 166,093 | 749,228 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $106,261 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $135,454 |
| 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. | 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 | 7883C740J | 8064C712J |
| 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.