Flood Zone Comparison
Compare key metrics between 38549 38549, TN — Zone AE and 42078 42078, KY — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 38549 38549, TN — Zone AE | 42078 42078, KY — Zone A |
|---|---|---|
| name | 38549 38549, TN — Zone AE | 42078 42078, KY — Zone A |
| zip code | 38549 | 42078 |
| city | 38549 | 42078 |
| state | Tennessee | Kentucky |
| state code | TN | KY |
| 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 | 1,472 | 1,472 |
| base flood elevation | 18 ft | 10 ft |
| historical floods | 11 recorded flood events in the past 50 years. Most recent major flood: 2018 | 13 recorded flood events in the past 50 years. Most recent major flood: 2008 |
| nearest water | local river (2.6 miles) | local stream (2.9 miles) |
| elevation ft | 1,208 | 1,961 |
| population | 3,715 | 7,584 |
| median home value | 143,770 | 536,659 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $144,150 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $57,836 |
| 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 | 6699C440J | 4198C450J |
| 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.