Natural hazards · Larchmont

Larchmont, NY natural hazards

Most of the natural-hazard damage FEMA expects in Larchmont comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 381 claims here since 1978. 8 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Larchmont?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Larchmont to be higher than in 25% of U.S. communities, mostly from inland flooding.

Inland flooding72%Coastal flooding8%Hurricanes6%Everything else14%

By hazard

What Larchmont faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

72% of expected damage

Below average · higher than 40% of U.S. places

Recorded about 4 times a year in the area

Coastal flooding

8% of expected damage

Well above average · higher than 97% of U.S. places

Hurricanes

6% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 7 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Larchmont flood?

Every paid claim on a federal flood insurance policy in Larchmont, from FEMA’s records.

381paid claims since 1978

$7.3Mpaid to owners

52homes flooded more than once

19782026

Biggest named events

Hurricane Ida: 61 claims, $1.6M
Hurricane Sandy: 58 claims, $2.9M
April 2007 Nor'easter: 39 claims, $651K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (11) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Larchmont isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Westchester County.

Disasters that hit Larchmont

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Larchmont itself: aid to households, or repair grants to the Village of Larchmont.

Brought FEMA money into LarchmontDeclared for Westchester County only

2021

Remnants of Hurricane Ida

459 households applied for aid $2.0M aid approved $274K to the Village of Larchmont for repairs

2020

Tropical Storm Isaias

$99K to the Village of Larchmont for repairs

2012

Hurricane Sandy

123 households applied for aid $76K aid approved $362K to the Village of Larchmont for repairs

2011

Hurricane Irene

32 households applied for aid $38K aid approved $74K to the Village of Larchmont for repairs

2010

Severe Storms and Flooding

$117K to the Village of Larchmont for repairs

2007

Severe Storms and Inland and Coastal Flooding

240 households applied for aid $389K aid approved $474K to the Village of Larchmont for repairs

2003

Snow

$18K to the Village of Larchmont for repairs

1999

Hurricane Floyd Major Disaster Declarations

$9K to the Village of Larchmont for repairs

Westchester County has had 24 natural disasters declared since 1953, most often hurricanes and floods.

Around Larchmont

Larchmont and the towns around it

Very lowLowModerateHighVery high

Mamaroneckmostly inland floodingModerate

Larchmontmostly inland floodingLow

New Rochellemostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Larchmont covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Larchmont’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Larchmont. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Larchmont total about $2.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.