Flood Zone Comparison
Compare key metrics between 49816 49816, MI — Zone AE and 55051 55051, MN — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 49816 49816, MI — Zone AE | 55051 55051, MN — Zone AE |
|---|---|---|
| name | 49816 49816, MI — Zone AE | 55051 55051, MN — Zone AE |
| zip code | 49816 | 55051 |
| city | 49816 | 55051 |
| state | Michigan | Minnesota |
| state code | MI | MN |
| category | High Risk | High Risk |
| flood zone | Zone AE (High Risk — 100-Year Floodplain) | 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 | 2,541 | 2,541 |
| base flood elevation | 21 ft | 16 ft |
| historical floods | 2 recorded flood events in the past 50 years. Most recent major flood: 2005 | 11 recorded flood events in the past 50 years. Most recent major flood: 2013 |
| nearest water | Colorado River (3.9 miles) | Ohio River (3.6 miles) |
| elevation ft | 121 | 487 |
| population | 19,851 | 48,357 |
| median home value | 456,067 | 722,227 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $85,656 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $23,132 |
| 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 | 9915C119J | 5362C689J |
| 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.