Flood Zone Comparison
Compare key metrics between 40339 40339, KY — Zone A and 76654 76654, TX — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 40339 40339, KY — Zone A | 76654 76654, TX — Zone AE |
|---|---|---|
| name | 40339 40339, KY — Zone A | 76654 76654, TX — Zone AE |
| zip code | 40339 | 76654 |
| city | 40339 | 76654 |
| state | Kentucky | Texas |
| state code | KY | TX |
| 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 | 1,731 | 1,731 |
| base flood elevation | 21 ft | 22 ft |
| historical floods | 5 recorded flood events in the past 50 years. Most recent major flood: 2016 | 15 recorded flood events in the past 50 years. Most recent major flood: 2007 |
| nearest water | Tampa Bay (2.0 miles) | Mississippi River (0.2 miles) |
| elevation ft | 1,384 | 1,046 |
| population | 18,124 | 66,028 |
| median home value | 629,214 | 308,044 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $95,638 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $93,276 |
| 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 | 7139C109J | 5815C961J |
| 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.