Flood Zone Comparison
Compare key metrics between 51243 51243, IA — Zone AE and 78578 78578, TX — Zone AE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 51243 51243, IA — Zone AE | 78578 78578, TX — Zone AE |
|---|---|---|
| name | 51243 51243, IA — Zone AE | 78578 78578, TX — Zone AE |
| zip code | 51243 | 78578 |
| city | 51243 | 78578 |
| state | Iowa | Texas |
| state code | IA | TX |
| 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 | 1,576 | 1,576 |
| base flood elevation | 9 ft | 17 ft |
| historical floods | 0 recorded flood events in the past 50 years | 15 recorded flood events in the past 50 years. Most recent major flood: 2018 |
| nearest water | James River (3.9 miles) | local creek (4.0 miles) |
| elevation ft | 449 | 292 |
| population | 40,107 | 51,018 |
| median home value | 725,402 | 478,640 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $91,580 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $145,625 |
| 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 | 3042C105J | 4630C340J |
| 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.