Flood Zone Comparison
Compare key metrics between 41231 41231, KY — Zone AE and 48410 48410, MI — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 41231 41231, KY — Zone AE | 48410 48410, MI — Zone A |
|---|---|---|
| name | 41231 41231, KY — Zone AE | 48410 48410, MI — Zone A |
| zip code | 41231 | 48410 |
| city | 41231 | 48410 |
| state | Kentucky | Michigan |
| state code | KY | MI |
| 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 | 1,997 | 1,997 |
| base flood elevation | 16 ft | 21 ft |
| historical floods | 8 recorded flood events in the past 50 years. Most recent major flood: 2024 | 8 recorded flood events in the past 50 years. Most recent major flood: 2024 |
| nearest water | Red River (4.8 miles) | local river (4.6 miles) |
| elevation ft | 1,040 | 79 |
| population | 18,641 | 28,057 |
| median home value | 161,223 | 104,279 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $182,085 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $29,054 |
| 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 | 5346C438J | 6205C211J |
| 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.