How much flood risk does Westchester County actually carry?
Westchester County lands at the 98th percentile of FEMA's National Risk Index for flooding, "Relatively High" territory — well above the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 4.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Westchester County's flood-insurance compliance gap
63.9% of the homes FEMA requires to carry flood insurance in Westchester County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 2,335 policies against 3,657 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Westchester County, not just the ones FEMA mandates, 3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Westchester County against the rest of the country
Westchester County sits at rank 70 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 49 of 3144 by population (1 is biggest). Westchester County, New York covers 430.817 square miles and counts roughly 1,006,447 residents.
Your street may differ from Westchester County's average
FEMA counts 206,605 residential structures in Westchester County overall, 6,276 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Westchester County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.