Flood Zone Comparison
Compare key metrics between 39643 39643, MS — Zone A and 48009 48009, MI — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 39643 39643, MS — Zone A | 48009 48009, MI — Zone AE |
|---|---|---|
| name | 39643 39643, MS — Zone A | 48009 48009, MI — Zone AE |
| zip code | 39643 | 48009 |
| city | 39643 | 48009 |
| state | Mississippi | Michigan |
| state code | MS | MI |
| category | High Risk | High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | 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 | 2,629 | 2,629 |
| base flood elevation | 6 ft | 22 ft |
| historical floods | 14 recorded flood events in the past 50 years. Most recent major flood: 2008 | 15 recorded flood events in the past 50 years. Most recent major flood: 2004 |
| nearest water | Colorado River (3.5 miles) | Savannah River (3.3 miles) |
| elevation ft | 416 | 39 |
| population | 40,096 | 21,399 |
| median home value | 676,356 | 513,882 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $108,031 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $171,763 |
| 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 | 7561C803J | 1070C642J |
| 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.