Key facts: Mamaroneck
- The village of Mamaroneck sits where two small rivers meet near Long Island Sound, and neighborhoods near them have flooded repeatedly, including during Ida's remnants in 2021.[1][2]
- These rivers have small basins, so they respond within hours.
- Move valuables up from basements as soon as a storm is forecast.
When small rivers rise
These rivers have small basins, so they respond within hours. Move valuables up from basements as soon as a storm is forecast.
Basements in older homes
Oil tanks, furnaces and panels often sit below grade here. If flood water reached an oil tank, keep clear and call for help, since spills need specialist cleanup.
Flood claims recorded in Westchester County
Mamaroneck sits in Westchester County. FEMA publishes every National Flood Insurance Program claim with personal details removed, which gives a plain record of where water has reached insured buildings here.
| Measure | Count |
|---|---|
| Flood insurance claims on record | 12,259 |
| Year with the most claims | 2021 (1,829) |
| Largest named event | Not A Named Storm (1,742) |
| Claims outside high-risk A and V zones | 40% |
| Claims on buildings built before 1975 | 84% |
County-wide counts of insured claims only. Uninsured losses, burst pipes and appliance leaks are not in this data.
What the Mamaroneck claim record shows
For Mamaroneck homes, the local precedents are the events behind the most Westchester County claims: Not A Named Storm (1,742 claims), Hurricane Ida (1,729 claims) and Hurricane Irene (1,094 claims).
About 40% of claims with a recorded zone came from outside the high-risk A and V zones, so a moderate-risk label does not mean a Mamaroneck home stays dry.
If your Mamaroneck home is older, note that buildings from before 1975 make up 84% of county claims with a known build date. Many predate current flood maps, so inspect low outlets, ductwork and subfloors closely after any water event.
Federal disaster history for Westchester County
FEMA lists 32 federal declarations covering Westchester County. The most common types are hurricane (11), flood (6) and severe storm (6). The latest are Severe Storm and Flooding in 2024, Remnants of Hurricane Ida in 2021 and Hurricane Henri in 2021. Federal aid can open after a declaration, so Mamaroneck owners should look it up before discarding damaged items.
Mamaroneck weather and your home
Weather records for Mamaroneck from 2015 through 2024 average 51 inches of precipitation a year, and October and September are the wettest months. The area averages 10.6 days a year with an inch or more.
Mamaroneck falls to 20°F or below on about 16 nights a year, which puts pipes in exterior walls, crawl spaces and garages at risk.
When rain falls in Mamaroneck
Seasonal averages for Mamaroneck, 2015 through 2024. Plan roof, gutter and sump pump checks before the wettest stretch.
| Season | Average | Share of year |
|---|---|---|
| January to March | 12.4 in | 24% |
| April to June | 11.8 in | 23% |
| July to September | 13.7 in | 27% |
| October to December | 12.7 in | 25% |
Modeled from Open-Meteo historical weather data. Precipitation includes rain and melted snow.
Mamaroneck home checklist from these records
- Don't rely on recent quiet years. Only 23% of Westchester County claims date from 2015 or later, so older floods still show what can happen.
- Insulate exposed pipes before 16-plus hard-freeze nights arrive, and know your main shutoff.
- Test any sump pump before October, since Mamaroneck averages 11 days a year with an inch or more.
- Keep dated photos of each room. After Not A Named Storm, 1,742 insured Westchester County owners filed claims at about the same time.
What to tell the Mamaroneck contractor
- Your nearest river
- Whether an oil tank is present
- How high water reached
Services Mamaroneck callers ask about
Questions
Mamaroneck water damage questions
Is my basement flood covered?
Rising water generally needs flood insurance.[3]
Do I need to pump right away?
Lower water gradually if soil is saturated.