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Natural hazards · Mount Vernon

Mount Vernon, NY natural hazards

Most of the natural-hazard damage FEMA expects in Mount Vernon comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 82 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 Mount Vernon?

30
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mount Vernon to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding61%Earthquakes11%Hurricanes7%Cold waves6%Strong wind6%Heat waves5%Everything else5%
By hazard

What Mount Vernon faces

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

Inland flooding

61% of expected damage
Below average · higher than 49% of U.S. places
Recorded about 4 times a year in the area

Earthquakes

11% of expected damage
Above average · higher than 74% of U.S. places

Hurricanes

7% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once every 7 years in the area

Cold waves

6% of expected damage
Below average · higher than 25% of U.S. places
Recorded about once a year in the area

Strong wind

6% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 5 times a year in the area

Heat waves

5% of expected damage
Well below average · higher than 15% of U.S. places
Recorded about 6 times a year in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherLandslidesLightning

Not a risk here

WildfireDroughtAvalanchesTsunamisVolcanic 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 Mount Vernon flood?

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

82paid claims since 1978
$1.0Mpaid to owners
10homes flooded more than once
19782026

Biggest named events

  • Hurricane Ida: 16 claims, $340K
  • Not a named storm: 10 claims, $23K
  • Hurricane Irene: 5 claims, $59K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Mount Vernon 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 Mount Vernon

9 federal disasters brought FEMA money here

Disasters the President declared that paid out in Mount Vernon itself: aid to households, or repair grants to the City of Mount Vernon.

Brought FEMA money into Mount VernonDeclared for Westchester County only
2023

Severe Storm and Flooding

$32K to the City of Mount Vernon for repairs
2021

Remnants of Hurricane Ida

1,103 households applied for aid $3.5M aid approved $748K to the City of Mount Vernon for repairs
2012

Hurricane Sandy

637 households applied for aid $174K aid approved $509K to the City of Mount Vernon for repairs
2011

Hurricane Irene

100 households applied for aid $144K aid approved $112K to the City of Mount Vernon for repairs
2010

Severe Storms and Flooding

$135K to the City of Mount Vernon for repairs
2007

Severe Storms and Inland and Coastal Flooding

271 households applied for aid $374K aid approved $166K to the City of Mount Vernon for repairs
2006

Severe Storms and Flooding

1 household applied for aid
2003

Snow

$59K to the City of Mount Vernon for repairs
2001

Fires and Explosions

$88K to the City of Mount Vernon for repairs
Westchester County has had 24 natural disasters declared since 1953, most often hurricanes and floods.
Around Mount Vernon

Mount Vernon and the towns around it

Yonkers: Low, mostly inland floodingPelham: Moderate, mostly inland floodingPelham: Moderate, mostly inland floodingNew York: Very low, mostly inland floodingPelham Manor: Moderate, mostly inland floodingEastchester: Low, mostly inland floodingBronxville: Low, mostly inland floodingNew Rochelle: Very low, mostly inland floodingTuckahoe: Moderate, mostly inland floodingGreenburgh: Very low, mostly inland floodingAlpine: Very low, mostly inland floodingHastings-on-Hudson: Low, mostly inland floodingHempstead: Low, mostly inland floodingNorth Hempstead: Very low, mostly inland floodingLawrence: Low, mostly inland floodingValley Stream: Low, mostly inland floodingLinden: Low, mostly inland floodingBayonne: Moderate, mostly inland floodingGreat Neck Estates: Low, mostly inland floodingElizabeth: Low, mostly inland floodingScarsdale: Very low, mostly inland floodingMamaroneck: Moderate, mostly inland floodingLarchmont: Low, mostly inland floodingMount Vernon: Low, mostly inland flooding Mount VernonYonkersPelhamPelhamNew YorkPelham ManorEastchesterBronxvilleNew Rochelle
Very lowLowModerateHighVery high
Pelham Manormostly inland floodingModerate
Pelhammostly inland floodingModerate
Pelhammostly inland floodingModerate
Bronxvillemostly inland floodingLow
Eastchestermostly inland floodingLow
Mount Vernonmostly inland floodingLow
Yonkersmostly inland floodingLow
New Yorkmostly inland floodingVery low
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. Mount Vernon covers 20 census tracts, combined by population.
Money that reached townFlood claims are matched to Mount Vernon’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Mount Vernon. 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 Mount Vernon total about $10.4M 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.

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