Flood Zones: Mount Vernon vs White Plains
How do flood zones rules compare between Mount Vernon, NY and White Plains, NY?
Mount Vernon has fewer restrictions than White Plains.
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 →White Plains, NY
Westchester County
White Plains participates in NFIP. FEMA AE zones exist along the Bronx River and Mamaroneck River corridors. Floodplain development permit required for construction, substantial improvement, or fill in SFHAs per City Code Chapter 3-5 (Flood Damage Prevention).
View full White Plains rules →Key Facts Comparison
| Fact | Mount Vernon | White Plains |
|---|---|---|
| Zones | AE along Hutchinson/Bronx Rivers | AE along Bronx/Mamaroneck Rivers |
| NFIP | City participates | Participating community |
| Code | Chapter 150 | - |
| Permit | Building Department | Floodplain development permit |
| Insurance | Mandatory in SFHA | - |
| Coastal | - | None (inland city) |
| FIRM effective | - | September 28, 2007 |
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.
White Plains FAQ
Does White Plains have FEMA flood zones?
Yes. Zone AE flood zones run along the Bronx River and Mamaroneck River. Check the FEMA Map Service Center for your specific parcel.
Do I need flood insurance in White Plains?
Only if your property lies in a Special Flood Hazard Area (SFHA) and you have a federally backed mortgage. Many WP properties are outside SFHAs.
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