Flood Zone Comparison
Compare key metrics between 36870 36870, AL — Zone AE and 41822 41822, KY — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 36870 36870, AL — Zone AE | 41822 41822, KY — Zone AE |
|---|---|---|
| name | 36870 36870, AL — Zone AE | 41822 41822, KY — Zone AE |
| zip code | 36870 | 41822 |
| city | 36870 | 41822 |
| state | Alabama | Kentucky |
| state code | AL | 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 | 2,225 | 2,226 |
| base flood elevation | 10 ft | 11 ft |
| historical floods | 12 recorded flood events in the past 50 years. Most recent major flood: 2006 | 14 recorded flood events in the past 50 years. Most recent major flood: 2021 |
| nearest water | Lake Superior (2.7 miles) | James River (3.6 miles) |
| elevation ft | 1,460 | 723 |
| population | 58,117 | 8,753 |
| median home value | 642,522 | 214,035 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $96,896 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $171,621 |
| 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 | 5140C942J | 5219C224J |
| 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.