FEMA flood zone rules in Westchester County, NY — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Westchester has AE/VE zones along Long Island Sound (Rye, Mamaroneck, New Rochelle, Larchmont) and Hudson River (Yonkers, Hastings, Tarrytown). County participates in NFIP via municipal partners.
Floodplain management is enforced at the municipal level per NFIP requirements. Base Flood Elevations (BFEs) were updated after recent FEMA map revisions. New construction in SFHAs requires elevation certificates and floodplain development permits from the local building department. This flood zones rule under Westchester County's environmental ordinances applies to unincorporated areas of Westchester County. For current statutory text, amendments, enforcement procedures, fines, appeal options, and any exemptions that may apply to your situation, contact Westchester County code enforcement directly or consult the official New York municipal code library. Ordinances change periodically; always verify with local staff before relying on summary information.
Building in SFHA without permit can trigger stop-work orders, civil fines, and loss of NFIP coverage.
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See how Westchester County's flood zones rules stack up against other locations.
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