Flood Zone Comparison
Compare key metrics between 40045 40045, KY — Zone AE and 43123 43123, OH — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 40045 40045, KY — Zone AE | 43123 43123, OH — Zone AE |
|---|---|---|
| name | 40045 40045, KY — Zone AE | 43123 43123, OH — Zone AE |
| zip code | 40045 | 43123 |
| city | 40045 | 43123 |
| state | Kentucky | Ohio |
| state code | KY | OH |
| 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 | 2,229 | 2,229 |
| base flood elevation | 14 ft | 6 ft |
| historical floods | 14 recorded flood events in the past 50 years. Most recent major flood: 2004 | 0 recorded flood events in the past 50 years |
| nearest water | Lake Huron (3.2 miles) | Savannah River (2.8 miles) |
| elevation ft | 859 | 666 |
| population | 16,476 | 73,566 |
| median home value | 398,726 | 160,008 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $87,779 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $148,033 |
| 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 | 9556C345J | 6449C983J |
| 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.