Flood Zone Comparison
Compare key metrics between 76820 76820, TX — Zone VE and 97732 97732, OR — Zone VE. Data sourced from FEMA National Flood Hazard Layer (2025).
| Metric | 76820 76820, TX — Zone VE | 97732 97732, OR — Zone VE |
|---|---|---|
| name | 76820 76820, TX — Zone VE | 97732 97732, OR — Zone VE |
| zip code | 76820 | 97732 |
| city | 76820 | 97732 |
| state | Texas | Oregon |
| state code | TX | OR |
| category | Very High Risk | Very High Risk |
| flood zone | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) | Zone VE (Very High Risk — Coastal 100-Year + Wave Action) |
| risk level | Very High Risk | Very High Risk |
| annual flood prob | 1% annual chance with velocity wave action | 1% annual chance with velocity wave action |
| insurance required | Required — highest risk coastal zone | Required — highest risk coastal zone |
| avg annual premium | 5,332 | 5,334 |
| base flood elevation | 14 ft | 15 ft |
| historical floods | 5 recorded flood events in the past 50 years. Most recent major flood: 2005 | 13 recorded flood events in the past 50 years. Most recent major flood: 2012 |
| nearest water | Hudson River (4.5 miles) | Lake Michigan (4.6 miles) |
| elevation ft | 922 | 249 |
| population | 71,162 | 3,297 |
| median home value | 367,863 | 166,131 |
| flood damage risk | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $122,529 | 65-80% chance of flood damage over a 30-year mortgage. Estimated average damage per flood event: $110,378 |
| mitigation tips | Reinforce foundation against wave action; install storm shutters; elevate entire structure if possible; maintain maximum flood insurance coverage; establish evacuation routes; consider relocating critical infrastructure to upper floors. | Reinforce foundation against wave action; install storm shutters; elevate entire structure if possible; maintain maximum flood insurance coverage; establish evacuation routes; consider relocating critical infrastructure to upper floors. |
| fema map id | 9043C267J | 9930C811J |
| 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.