In Google Adwords you can manage this in your campaign settings, where you have 3 options:
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People in, searching for, or viewing pages about my targeted location (recommended)
People in my targeted location
People searching for or viewing pages about my targeted location
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Opting for the first option would make it theoretically redundant to add place names to keywords. It does not hurt though to add them, because location identification is not 100% accurate, the keyword matches better with ad copy (when you add NY to the ad copy) etc.