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FEMA flood zones · New York

Mount Vernon, New York Flood Zone Map

73,893 residents·in Westchester County·12,259 flood claims county-wide

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Mount Vernon, New York. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

Flood risk in Mount Vernon

The map above shows FEMA’s flood zones in and around Mount Vernon; tap any spot, or search an address, for the exact zone. FEMA’s flood insurance records are kept by county, not by city, so the numbers below are for all of Westchester County, which includes Mount Vernon.

14% of Westchester County’s area is in FEMA’s high-risk flood zones, and another 1% in shaded X (mostly the 0.2% floodplain and areas behind levees).

Where the flood claims came from

23% of Westchester County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.

8,479 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In Westchester County flood insurance claims that reported a flood depth, the average was 11 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on the county’s claims (zero and implausible values left out). Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 2021, with 1,829 claims and $106.6M paid, the year of Hurricane Henri and Remnants Of Hurricane Ida.

1978: 233 claims1979: 1,196 claims1980: 1,114 claims1981: 83 claims1982: 284 claims1983: 337 claims1984: 798 claims1985: 36 claims1986: 37 claims1987: 37 claims1988: 6 claims1989: 70 claims1990: 81 claims1991: 45 claims1992: 319 claims1993: 21 claims1994: 62 claims1995: 16 claims1996: 348 claims1997: 10 claims1998: 26 claims1999: 262 claims2000: 19 claims2001: 58 claims2002: 28 claims2003: 17 claims2004: 195 claims2005: 81 claims2006: 35 claims2007: 1,346 claims2008: 56 claims2009: 30 claims2010: 259 claims2011: 1,374 claims2012: 463 claims2013: 30 claims2014: 46 claims2015: 12 claims2016: 8 claims2017: 18 claims2018: 150 claims2019: 22 claims2020: 12 claims2021: 1,829 claims2022: 31 claims2023: 588 claims2024: 47 claims2025: 69 claims2026: 15 claims19801990200020102020

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

Full Westchester County flood history: disasters, storm reports and events →

The zones you’ll see on the map

Cross-section of a coastal flood zoneDiagram: land rising away from the shore. The 1%-annual-chance flood surface reaches inland; where storm waves ride on top of it the zone is V or VE, behind that AE, then a band of shaded X, then X on higher ground.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXX shadedAEVE
  1. VE / V Storm waves of 3 feet or more ride on top of the flood. Strictest building rules; homes go up on pilings.
  2. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Mount Vernon

If a building is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

The average NFIP premium across New York was $1,240 a year on August 31, 2026 (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top). Risk Rating 2.0 prices each building on its own flood risk, so a quote can be far from the average.

Outside the high-risk zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Quotes: FloodSmart.gov or a local agent.