i moved out of ny a few years back so my information is a little dated.
croton is a nice place to live. i traveled there to my friend's house for over 20 years. family friendly. the train is very convenient which is great.
i used to commute to manhattan from there. when i was there the train didn't run 24/7. it stopped running after midnight thru around 5am.
flooding, ugh i remember parking my car in the lot once and all the water sank to this one spot since the lot was unlevel. i didn't realize it as i was running late and i stopped in a puddle almost knee deep.
if ur taking a bus to there, it shouldnt be an issue then. the cold weather wouldnt be a problem either if ur taking a bus to there as well. if it snowed, usually u had to dig ur car out and clean it from the snow that fell on it.
the other thing, the malls are a little bit of a commute. 15-20 minutes to the JV Mall or the White plains malls.
hope this helps.