Flood Zone Comparison
Compare key metrics between 32839 32839, FL — Zone AE and 40357 40357, KY — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 32839 32839, FL — Zone AE | 40357 40357, KY — Zone AE |
|---|---|---|
| name | 32839 32839, FL — Zone AE | 40357 40357, KY — Zone AE |
| zip code | 32839 | 40357 |
| city | 32839 | 40357 |
| state | Florida | Kentucky |
| state code | FL | KY |
| 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 | 2,217 | 2,217 |
| base flood elevation | 26 ft | 16 ft |
| historical floods | 8 recorded flood events in the past 50 years. Most recent major flood: 2008 | 13 recorded flood events in the past 50 years. Most recent major flood: 2014 |
| nearest water | Merrimack River (0.7 miles) | local creek (2.1 miles) |
| elevation ft | 74 | 21 |
| population | 47,002 | 20,841 |
| median home value | 755,179 | 472,713 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $138,274 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $149,067 |
| 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 | 7102C715J | 4485C710J |
| 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.