Flood Zones: Mount Vernon vs Yonkers
How do flood zones rules compare between Mount Vernon, NY and Yonkers, NY?
Mount Vernon has fewer restrictions than Yonkers.
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 →Yonkers, NY
Westchester County
Yonkers has FEMA AE zones along the Hudson River waterfront and Saw Mill River corridor. Flood damage prevention rules under Yonkers Code Chapter 64 require elevation certificates and BFE+2 ft freeboard for SFHA construction.
View full Yonkers rules →Key Facts Comparison
| Fact | Mount Vernon | Yonkers |
|---|---|---|
| Zones | AE along Hutchinson/Bronx Rivers | AE along Hudson, Saw Mill |
| NFIP | City participates | - |
| Code | Chapter 150 | Yonkers Ch. 64 |
| Permit | Building Department | Required before work |
| Insurance | Mandatory in SFHA | Mandatory in SFHA |
| Freeboard | - | BFE + 2 feet |
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.
Yonkers FAQ
Is my Yonkers property in a flood zone?
Check FEMA's Map Service Center using your address. Hudson waterfront and Saw Mill River corridor have extensive AE zones.
Do I need flood insurance?
Yes if your property is in an SFHA and has a federally-backed mortgage. Even outside SFHA, insurance is recommended.
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