Flood Zone Comparison
Compare key metrics between 46806 46806, IN — Zone X-shaded and 49639 49639, MI — Zone D. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 46806 46806, IN — Zone X-shaded | 49639 49639, MI — Zone D |
|---|---|---|
| name | 46806 46806, IN — Zone X-shaded | 49639 49639, MI — Zone D |
| zip code | 46806 | 49639 |
| city | 46806 | 49639 |
| state | Indiana | Michigan |
| state code | IN | MI |
| category | Moderate Risk | Undetermined |
| flood zone | Zone X-shaded (Moderate Risk — 500-Year Floodplain) | Zone D (Undetermined Risk — No Analysis Performed) |
| risk level | Moderate Risk | Undetermined |
| annual flood prob | 0.2% annual chance (500-year flood) | Unknown — flood risk not yet determined by FEMA |
| insurance required | Recommended but not required | Recommended — risk is undetermined |
| avg annual premium | 815 | 815 |
| base flood elevation | N/A — not in Special Flood Hazard Area | N/A — not in Special Flood Hazard Area |
| historical floods | 2 recorded flood events in the past 50 years. Most recent major flood: 2004 | 0 recorded flood events in the past 50 years |
| nearest water | Red River (1.3 miles) | Lake Huron (1.5 miles) |
| elevation ft | 1,157 | 2,000 |
| population | 11,300 | 13,518 |
| median home value | 107,725 | 233,950 |
| flood damage risk | 15-30% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $67,178 | Unknown chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $45,098 |
| mitigation tips | Consider purchasing flood insurance even though not required; install backflow preventers on sewer lines; grade your lot to direct water away from foundation; keep gutters and drainage clear; know your evacuation route. | Purchase flood insurance as a precaution; research historical flooding in your area; contact your local floodplain administrator; maintain proper drainage; prepare an emergency kit and evacuation plan. |
| fema map id | 6267C388J | 1451C841J |
| 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.