Flood Zone Comparison
Compare key metrics between 38318 38318, TN — Zone AE and 51245 51245, IA — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 38318 38318, TN — Zone AE | 51245 51245, IA — Zone AE |
|---|---|---|
| name | 38318 38318, TN — Zone AE | 51245 51245, IA — Zone AE |
| zip code | 38318 | 51245 |
| city | 38318 | 51245 |
| state | Tennessee | Iowa |
| state code | TN | IA |
| 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 | 3,459 | 3,459 |
| base flood elevation | 20 ft | 18 ft |
| historical floods | 15 recorded flood events in the past 50 years. Most recent major flood: 2023 | 5 recorded flood events in the past 50 years. Most recent major flood: 2022 |
| nearest water | Hudson River (2.5 miles) | Tampa Bay (0.7 miles) |
| elevation ft | 312 | 1,554 |
| population | 38,167 | 78,562 |
| median home value | 110,326 | 182,790 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $160,909 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $115,790 |
| 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 | 8507C715J | 1448C221J |
| 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.