Flood Zone Comparison
Compare key metrics between 61038 61038, IL — Zone AE and 94131 94131, CA — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 61038 61038, IL — Zone AE | 94131 94131, CA — Zone A |
|---|---|---|
| name | 61038 61038, IL — Zone AE | 94131 94131, CA — Zone A |
| zip code | 61038 | 94131 |
| city | 61038 | 94131 |
| state | Illinois | California |
| state code | IL | CA |
| 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 | 1,027 | 1,027 |
| base flood elevation | 8 ft | 20 ft |
| historical floods | 15 recorded flood events in the past 50 years. Most recent major flood: 2014 | 14 recorded flood events in the past 50 years. Most recent major flood: 2019 |
| nearest water | Pacific Ocean (2.3 miles) | Potomac River (0.3 miles) |
| elevation ft | 194 | 593 |
| population | 10,329 | 9,178 |
| median home value | 204,765 | 562,013 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $138,617 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $99,292 |
| 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 | 9264C865J | 4563C678J |
| 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.