Flood Zones: White Plains vs Yonkers
How do flood zones rules compare between White Plains, NY and Yonkers, NY?
White Plains and Yonkers have similar restriction levels.
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 →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 | White Plains | Yonkers |
|---|---|---|
| Zones | AE along Bronx/Mamaroneck Rivers | AE along Hudson, Saw Mill |
| Coastal | None (inland city) | - |
| Permit | Floodplain development permit | Required before work |
| NFIP | Participating community | - |
| FIRM effective | September 28, 2007 | - |
| Freeboard | - | BFE + 2 feet |
| Code | - | Yonkers Ch. 64 |
| Insurance | - | Mandatory in SFHA |
Highlighted rows indicate differences between cities.
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.
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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