Flood Zone Comparison
Compare key metrics between 40828 40828, KY — Zone A and 75431 75431, TX — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 40828 40828, KY — Zone A | 75431 75431, TX — Zone A |
|---|---|---|
| name | 40828 40828, KY — Zone A | 75431 75431, TX — Zone A |
| zip code | 40828 | 75431 |
| city | 40828 | 75431 |
| state | Kentucky | Texas |
| state code | KY | TX |
| category | High Risk | High Risk |
| flood zone | Zone A (High Risk — 100-Year Floodplain, No BFE) | 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 | 2,514 | 2,514 |
| base flood elevation | 14 ft | 17 ft |
| historical floods | 3 recorded flood events in the past 50 years. Most recent major flood: 2009 | 13 recorded flood events in the past 50 years. Most recent major flood: 2005 |
| nearest water | local stream (0.9 miles) | Atlantic Ocean (3.2 miles) |
| elevation ft | 508 | 1,067 |
| population | 31,053 | 44,133 |
| median home value | 313,487 | 559,664 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $88,028 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $150,954 |
| 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 | 9345C286J | 1814C329J |
| 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.