Flood Zone Comparison
Compare key metrics between 40489 40489, KY — Zone AE and 68973 68973, NE — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 40489 40489, KY — Zone AE | 68973 68973, NE — Zone A |
|---|---|---|
| name | 40489 40489, KY — Zone AE | 68973 68973, NE — Zone A |
| zip code | 40489 | 68973 |
| city | 40489 | 68973 |
| state | Kentucky | Nebraska |
| state code | KY | NE |
| 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 | 1,258 | 1,258 |
| base flood elevation | 14 ft | 21 ft |
| historical floods | 0 recorded flood events in the past 50 years | 2 recorded flood events in the past 50 years. Most recent major flood: 2023 |
| nearest water | Missouri River (2.8 miles) | Connecticut River (4.7 miles) |
| elevation ft | 378 | 64 |
| population | 30,598 | 19,241 |
| median home value | 254,177 | 261,096 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $120,218 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $187,180 |
| 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 | 8893C128J | 9470C896J |
| 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.