Flood Zone Comparison
Compare key metrics between 40203 40203, KY — Zone A and 48209 48209, MI — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 40203 40203, KY — Zone A | 48209 48209, MI — Zone AE |
|---|---|---|
| name | 40203 40203, KY — Zone A | 48209 48209, MI — Zone AE |
| zip code | 40203 | 48209 |
| city | 40203 | 48209 |
| state | Kentucky | Michigan |
| state code | KY | 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 | 902 | 902 |
| base flood elevation | 28 ft | 6 ft |
| historical floods | 4 recorded flood events in the past 50 years. Most recent major flood: 2005 | 8 recorded flood events in the past 50 years. Most recent major flood: 2019 |
| nearest water | Connecticut River (4.5 miles) | Tennessee River (3.5 miles) |
| elevation ft | 693 | 1,211 |
| population | 67,492 | 73,063 |
| median home value | 535,922 | 508,308 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $99,435 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $111,080 |
| 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 | 8707C215J | 3843C298J |
| 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.