Flood Zone Comparison
Compare key metrics between 49089 49089, MI — Zone A and 56073 56073, MN — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 49089 49089, MI — Zone A | 56073 56073, MN — Zone A |
|---|---|---|
| name | 49089 49089, MI — Zone A | 56073 56073, MN — Zone A |
| zip code | 49089 | 56073 |
| city | 49089 | 56073 |
| state | Michigan | Minnesota |
| state code | MI | MN |
| 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 | 2,676 | 2,676 |
| base flood elevation | 16 ft | 28 ft |
| historical floods | 0 recorded flood events in the past 50 years | 8 recorded flood events in the past 50 years. Most recent major flood: 2013 |
| nearest water | Arkansas River (4.4 miles) | Long Island Sound (4.1 miles) |
| elevation ft | 1,445 | 1,556 |
| population | 39,394 | 14,781 |
| median home value | 527,295 | 509,244 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $131,625 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $46,828 |
| 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 | 2238C655J | 3760C626J |
| 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.