Flood Zone Comparison
Compare key metrics between 76432 76432, TX — Zone AE and 78838 78838, TX — Zone A. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 76432 76432, TX — Zone AE | 78838 78838, TX — Zone A |
|---|---|---|
| name | 76432 76432, TX — Zone AE | 78838 78838, TX — Zone A |
| zip code | 76432 | 78838 |
| city | 76432 | 78838 |
| state | Texas | Texas |
| state code | TX | 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 | 2,963 | 2,963 |
| base flood elevation | 21 ft | 6 ft |
| historical floods | 5 recorded flood events in the past 50 years. Most recent major flood: 2009 | 9 recorded flood events in the past 50 years. Most recent major flood: 2004 |
| nearest water | Lake Erie (1.1 miles) | Atlantic Ocean (0.7 miles) |
| elevation ft | 3 | 1,520 |
| population | 78,296 | 23,367 |
| median home value | 688,558 | 279,685 |
| flood damage risk | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $44,655 | 40-60% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $135,747 |
| 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 | 7579C483J | 4822C685J |
| 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.