Flood Zones: Mount Vernon vs New Rochelle
How do flood zones rules compare between Mount Vernon, NY and New Rochelle, NY?
Mount Vernon has fewer restrictions than New Rochelle.
Mount Vernon, NY
Westchester County
Mount Vernon is largely inland but has FEMA Zone AE along the Hutchinson River and Bronx River corridors. City participates in NFIP; flood insurance mandatory for federally-backed mortgages in SFHAs.
View full Mount Vernon rules →New Rochelle, NY
Westchester County
New Rochelle Municipal Code Chapter 186 (Flood Damage Prevention) regulates development in FEMA Special Flood Hazard Areas. Extensive AE zones along Long Island Sound including Five Islands Park, Hudson Park, Davenport Neck, and Echo Bay. Lowest floor must be elevated to or above Base Flood Elevation (BFE) plus freeboard.
View full New Rochelle rules →Key Facts Comparison
| Fact | Mount Vernon | New Rochelle |
|---|---|---|
| Zones | AE along Hutchinson/Bronx Rivers | AE along Sound shoreline |
| NFIP | City participates | Participating community |
| Code | Chapter 150 | Chapter 186 |
| Permit | Building Department | Floodplain Development required |
| Insurance | Mandatory in SFHA | - |
| Freeboard | - | Above BFE required |
Highlighted rows indicate differences between cities.
Mount Vernon FAQ
Is Mount Vernon coastal?
No. Mount Vernon is inland; flood risk is riverine, not coastal.
How do I find my flood zone?
Use the FEMA Map Service Center and enter your Mount Vernon address.
New Rochelle FAQ
Is my New Rochelle property in a flood zone?
Check FEMA Map Service Center. Waterfront areas including Davenport Neck, Hudson Park, Echo Bay, and Five Islands Park are largely in AE zones.
Do I need a permit to elevate my home?
Yes. Any work in a SFHA requires a Floodplain Development Permit from the Building Department under Chapter 186.
Compare other topics
See how Mount Vernon and New Rochelle compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool