Flood Zone Comparison
Compare key metrics between 48708 48708, MI — Zone A and 65040 65040, MO — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 48708 48708, MI — Zone A | 65040 65040, MO — Zone AE |
|---|---|---|
| name | 48708 48708, MI — Zone A | 65040 65040, MO — Zone AE |
| zip code | 48708 | 65040 |
| city | 48708 | 65040 |
| state | Michigan | Missouri |
| state code | MI | MO |
| 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 | 1,743 | 1,742 |
| base flood elevation | 15 ft | 26 ft |
| historical floods | 3 recorded flood events in the past 50 years. Most recent major flood: 2005 | 3 recorded flood events in the past 50 years. Most recent major flood: 2023 |
| nearest water | Tennessee River (3.7 miles) | local river (2.6 miles) |
| elevation ft | 897 | 1,075 |
| population | 49,644 | 7,391 |
| median home value | 121,494 | 252,170 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $92,396 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $190,446 |
| 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 | 6075C617J | 6714C670J |
| 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.