Enter any address in Westchester County, New York to see its FEMA flood zone
Flash flooding from heavy rainfall events is the most frequent type of flooding in Westchester County. Between 1996 and 2016, NOAA Storm Events data recorded 221 flash flood events, alongside 55 general flood events, 21 coastal flood events, and 1 storm surge event. For example, on July 14, 2025, multiple flash flood events were reported following rainfall totals of 4 to 6.5 inches.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $29,401 and an average water depth of 6.0 feet. Properties in Zone X also show significant claim activity. Homeowners in areas designated as Zone A, as well as those located near rivers or coastal areas, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
121 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Westchester County, New York has recorded 303 flood-related events since 1996 according to NOAA's Storm Events Database, including 221 flash floods and 55 river or area floods. The county has received 32 federal disaster declarations, 6 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1965–2023)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Storm And Flooding | Flood | Sep 28, 2023 |
| Remnants Of Hurricane Ida | Hurricane | Sep 1, 2021 |
| Hurricane Henri | Hurricane | Aug 21, 2021 |
| Tropical Storm Isaias | Hurricane | Aug 4, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Sandy | Hurricane | Oct 27, 2012 |
| Hurricane Irene | Hurricane | Aug 26, 2011 |
| Severe Storms And Flooding | Severe Storm | Mar 13, 2010 |
| Severe Storms And Inland And Coastal Flooding | Severe Storm | Apr 14, 2007 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Oct 30, 2025 | 0.00K |
| Flash Flood | Jul 14, 2025 | 0.00K |
| Coastal Flood | Jan 13, 2024 | 0.00K |
| Coastal Flood | Jan 10, 2024 | 0.00K |
| Flash Flood | Aug 6, 2024 | 0.00K |
| Flash Flood | Sep 29, 2023 | 0.00K |
| Flash Flood | Dec 18, 2023 | 0.00K |
| Flash Flood | Jul 16, 2023 | 0.00K |
| Flash Flood | Sep 11, 2023 | 0.00K |
| Flash Flood | Jul 10, 2023 | 0.00K |
Flash Flood — Oct 30, 2025
A widespread rainfall of 1.5 to 2.5 inches resulted in flooding as a frontal system triggered thunderstorms across the NYC Metro area.
Flash Flood — Jul 14, 2025
A weak front approached from the west along with PW of 2 inches resulting in heavy rainfall across the area. 4 to 6.5 inches of rainfall totals were reported with rainfall rates between 1 to 2 inches.
Coastal Flood — Jan 13, 2024
Strong low pressure shifted northeast through the eastern Great Lakes on January 13, 2024, sending a warm front through during the morning hours, followed quickly by a cold front. Strong winds produced by this system, combined with peaking high astronomical tides associated with a recent new moon, produced widespread moderate to major coastal flooding along the entire southeast New York coastli...
Coastal Flood — Jan 10, 2024
Strong low pressure moving northeast from the Mid Atlantic region to southern New England during the night of January 9, 2024 into the early morning hours of January 10, 2024 produced high winds, which combined with high astronomical tides associated with an upcoming new moon to produce widespread moderate to major coastal flooding along the south shore of Long Island and along the Hudson River...
Flash Flood — Aug 6, 2024
Several rounds of heavy thunderstorms developed over the area on the afternoon of August 6th. A slow moving frontal system stalled out over the area. PWATs of 2-2.2 inches and a sharp gradient of MUCAPE peaking out over the area near 2500 J/kg allowed for the development of strong thunderstorms producing torrential rainfall with rates upwards of 1.5-2.5 inches per hour. Total rainfall was 1-3 i...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Westchester County, New York:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Westchester County, New York that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.