Natural hazards · Mamaroneck

Mamaroneck, NY natural hazards

Most of the natural-hazard damage FEMA expects in Mamaroneck comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1,767 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mamaroneck?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mamaroneck to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding76%Coastal flooding10%Everything else14%

By hazard

What Mamaroneck faces

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

Inland flooding

76% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 4 times a year in the area

Coastal flooding

10% of expected damage

Well above average · higher than 98% of U.S. places

Lower here

HurricanesTornadoesHailIce 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 Mamaroneck flood?

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

1,767paid claims since 1978

$63.6Mpaid to owners

272homes flooded more than once

19782026

Biggest named events

Hurricane Ida: 294 claims, $27.2M
Not a named storm: 284 claims, $1.1M
April 2007 Nor'easter: 210 claims, $9.6M

Homes that flooded again and again

Each house = 5 homes. ■ FEMA “severe repetitive loss” (82) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Mamaroneck is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Westchester County.

What’s been done with FEMA grants

2homes raised above flood level

1flood-prone properties bought out and cleared

Disasters that hit Mamaroneck

9 federal disasters brought FEMA money here

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

Brought FEMA money into MamaroneckDeclared for Westchester County only

2023

Severe Storm and Flooding

$485K to the Village of Mamaroneck for repairs

2021

Remnants of Hurricane Ida

1,107 households applied for aid $4.4M aid approved $4.9M to the Village of Mamaroneck for repairs

2020

Tropical Storm Isaias

$706K to the Village of Mamaroneck for repairs

2012

Hurricane Sandy

120 households applied for aid $140K aid approved $742K to the Village of Mamaroneck for repairs

2011

Hurricane Irene

187 households applied for aid $361K aid approved $199K to the Village of Mamaroneck for repairs

2010

Severe Storms and Flooding

$80K to the Village of Mamaroneck for repairs

2007

Severe Storms and Inland and Coastal Flooding

613 households applied for aid $1.6M aid approved $606K to the Village of Mamaroneck for repairs

2003

Snow

$50K to the Village of Mamaroneck for repairs

1999

Hurricane Floyd Major Disaster Declarations

$24K to the Village of Mamaroneck for repairs

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

Around Mamaroneck

Mamaroneck and the towns around it

Very lowLowModerateHighVery high

Ryemostly inland floodingModerate

Mamaroneckmostly inland floodingModerate

Ryemostly inland floodingModerate

Mamaroneckmostly inland floodingModerate

Harrisonmostly 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. Mamaroneck covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Mamaroneck’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Mamaroneck. 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 Mamaroneck total about $7.7M 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.