Flood Zone Comparison
Compare key metrics between 49322 49322, MI — Zone AE and 78371 78371, TX — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 49322 49322, MI — Zone AE | 78371 78371, TX — Zone A |
|---|---|---|
| name | 49322 49322, MI — Zone AE | 78371 78371, TX — Zone A |
| zip code | 49322 | 78371 |
| city | 49322 | 78371 |
| state | Michigan | Texas |
| state code | MI | TX |
| 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 | 1,561 | 1,561 |
| base flood elevation | 28 ft | 10 ft |
| historical floods | 9 recorded flood events in the past 50 years. Most recent major flood: 2005 | 7 recorded flood events in the past 50 years. Most recent major flood: 2017 |
| nearest water | Lake Huron (0.1 miles) | Gulf of Mexico (4.0 miles) |
| elevation ft | 229 | 1,406 |
| population | 27,648 | 16,349 |
| median home value | 368,176 | 347,591 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $144,825 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $48,646 |
| 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 | 4046C971J | 7304C148J |
| 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.