Flood Zone Comparison
Compare key metrics between 49237 49237, MI — Zone A and 81632 81632, CO — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 49237 49237, MI — Zone A | 81632 81632, CO — Zone A |
|---|---|---|
| name | 49237 49237, MI — Zone A | 81632 81632, CO — Zone A |
| zip code | 49237 | 81632 |
| city | 49237 | 81632 |
| state | Michigan | Colorado |
| state code | MI | CO |
| 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 | 2,579 | 2,579 |
| base flood elevation | 18 ft | 9 ft |
| historical floods | 5 recorded flood events in the past 50 years. Most recent major flood: 2013 | 13 recorded flood events in the past 50 years. Most recent major flood: 2014 |
| nearest water | Mississippi River (4.1 miles) | Atlantic Ocean (2.6 miles) |
| elevation ft | 455 | 5,089 |
| population | 47,448 | 79,000 |
| median home value | 406,514 | 425,847 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $21,115 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $154,623 |
| 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 | 9781C287J | 2293C801J |
| 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.