New York, NY Flood Zone Map
FEMA flood zone data for New York. The map below shows high-risk areas (FEMA Special Flood Hazard Areas) over local waterways and streets -- computed from the official FEMA National Flood Hazard Layer.
- High risk
- Moderate
- Lower risk
- Not mapped
Flood Zone Breakdown for New York
About 15% of the mapped area in New York falls within a FEMA Special Flood Hazard Area (high-risk or moderate-risk flood zone). The breakdown by zone:
- AE 13% Zone AE
- VE 2% Zone VE
- A 0% Zone A
- X 85% Zone X
Where Flooding Comes From in New York
Coastal storm surge and tidal flooding (Hudson River, Jamaica Bay, Atlantic coast).
- Bronx Riv
- Fresh Crk
- Hook Crk
- Motts Crk
- Mill Crk
- Richmond Crk
- North Creek Strm
- West Brk
Flood Zone Details for New York
| Zone | Risk level | Area | Insurance |
|---|---|---|---|
| AE | High-risk riverine or coastal flood zone with a computed base flood elevation (BFE). About a 1-in-100 chance of flooding each year. | 13% | Flood insurance is typically required for federally backed mortgages. |
| VE | Coastal high-hazard zone with wave action. This is the highest-risk designation -- expect storm surge plus breaking waves. | 2% | Flood insurance is required for federally backed mortgages and is especially important here. |
| A | High-risk flood zone without a detailed BFE study. About a 1-in-100 chance of flooding each year. | 0% | Flood insurance is typically required for federally backed mortgages. |
| X | Lower-risk zone outside the 1% annual chance flood boundary. Flooding is still possible but less likely than in high-risk zones. | 85% | Flood insurance is not required but may still be a smart choice -- about 25% of flood claims come from lower-risk areas. |
Learn More About the Zones in New York
Check YOUR Exact Address in New York
The map above shows the broad flood zone picture for New York. Your specific property may be in a different zone -- the only way to know for certain is to check your exact address.