Vermont flood insurance and flood history
From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 3,725 flood insurance claims in Vermont since 1978. The NFIP paid $118.2 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2011, with 1,459, mostly from Hurricane Irene.
In the last ten years (2017–2026) there were 1,065 claims, and the average paid claim was $62,529.
23% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 1.1% of homes in Vermont had an NFIP flood policy in FEMA's latest count (2,848 of 257,879 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 37% (1,720 of 4,617).
Since 2000, FEMA has made 32 flood-related disaster declarations covering parts of Vermont. The most recent was DR-4826-VT (Severe Storms, Flooding, Landslides, and Mudslides), declared September 26, 2024.
Flood insurance claims in Vermont by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 5 | $15,896 |
| 2025 | 3 | $0 |
| 2024 | 196 | $7.6 million |
| 2023 | 710 | $44.5 million |
| 2022 | 7 | $61,981 |
| 2021 | 27 | $331,868 |
| 2020 | 4 | $5,101 |
| 2019 | 74 | $1.5 million |
| 2018 | 20 | $618,889 |
| 2017 | 19 | $156,900 |
| 2016 | 5 | $17,381 |
| 2015 | 34 | $309,250 |
| 2014 | 27 | $149,025 |
| 2013 | 40 | $313,261 |
| 2012 | 8 | $44,750 |
| 2011 | 1,459 | $54.8 million |
| 2010 | 18 | $124,896 |
| 2009 | 20 | $178,090 |
| 2008 | 39 | $654,170 |
| 2007 | 42 | $246,340 |
| 2006 | 20 | $199,113 |
| 2005 | 19 | $53,809 |
| 2004 | 7 | $5,407 |
| 2003 | 10 | $18,654 |
| 2002 | 54 | $969,041 |
| 2001 | 9 | $5,455 |
| 2000 | 59 | $610,957 |
| 1999 | 6 | $8,229 |
| 1998 | 69 | $874,958 |
| 1997 | 32 | $343,235 |
| 1996 | 48 | $216,579 |
| 1995 | 54 | $564,772 |
| 1994 | 17 | $56,117 |
| 1993 | 36 | $129,763 |
| 1992 | 93 | $1.6 million |
| 1991 | 7 | $5,604 |
| 1990 | 11 | $6,086 |
| 1989 | 21 | $23,513 |
| 1988 | 2 | $0 |
| 1987 | 36 | $120,876 |
| 1986 | 11 | $21,707 |
| 1985 | 1 | $65 |
| 1984 | 55 | $218,015 |
| 1983 | 36 | $118,064 |
| 1982 | 47 | $82,640 |
| 1981 | 93 | $258,976 |
| 1980 | 35 | $31,000 |
| 1979 | 45 | $54,404 |
| 1978 | 35 | $31,982 |
Biggest flood events by NFIP payments
The flood events FEMA's claims data names most often for Vermont, ranked by what the NFIP paid. FEMA names events in its claims records; claims without an event name aren't included here.
| Event | Year | Claims | Paid |
|---|---|---|---|
| Vermont/New York Flooding | 2023 | 637 | $43.4 million |
| Hurricane Irene | 2011 | 995 | $43.1 million |
| Flooding | 1992 | 90 | $1.6 million |
| December Nor'easter | 2023 | 43 | $658,145 |
| Flooding | 1998 | 36 | $558,179 |
| Flooding | 1984 | 32 | $133,154 |
| Flooding | 1996 | 25 | $109,194 |
| March 2010 Nor'easter | 2010 | 2 | $11,209 |
| Hurricane Debby | 2024 | 2 | $0 |
| Hurricane Sandy | 2012 | 2 | $0 |
What flood insurance costs in Vermont
On June 30, 2026, 3,886 NFIP flood insurance policies were in force in Vermont. For the 2,153 single-family homes among them, the typical (median) yearly cost was about $1,310; the average was $1,630.
| Rated flood zone | Policies | Typical yearly cost, single-family home | Average cost | Average building coverage |
|---|---|---|---|---|
| High-risk zones (A and V) | 2,403 | $1,710 | $1,990 | $184,000 |
| Moderate- and low-risk zones (B, C and X) | 1,478 | $1,110 | $1,180 | $228,000 |
Cost here is what FEMA's data lists as the policy cost: the premium plus the reserve fund assessment, federal policy fee and HFIAA surcharge. It covers single-family homes only (not condos, apartments or businesses), with costs rounded to the nearest $10 and shown only where at least 20 homes back the figure. Your own price depends on your building and the coverage you choose; see how flood insurance is priced. Private flood insurance isn't included.
Policies and average cost by exact flood zone
Flood history by county
Every Vermont county in FEMA's data, sorted by number of NFIP claims since 1978. "Insured" is the share of homes with an NFIP policy; "typical NFIP cost" is the median yearly cost for single-family homes.
| County | Claims | Paid | Insured | Typical NFIP cost | Flood declarations |
|---|---|---|---|---|---|
| Washington County | 1,233 | $49.8 million | 2.3% | $1,560 | 15 |
| Windsor County | 511 | $24.9 million | 1.9% | $1,410 | 11 |
| Windham County | 312 | $10.9 million | 1.3% | $1,210 | 10 |
| Rutland County | 284 | $4.8 million | 0.9% | $1,240 | 9 |
| Caledonia County | 271 | $6.1 million | 0.9% | $1,710 | 14 |
| Chittenden County | 256 | $4.0 million | 0.6% | $1,190 | 12 |
| Franklin County | 177 | $2.5 million | 0.7% | $1,040 | 11 |
| Lamoille County | 174 | $5.7 million | 1.1% | $1,310 | 18 |
| Bennington County | 112 | $1.5 million | 1.5% | $1,440 | 9 |
| Orleans County | 102 | $2.6 million | 0.3% | $1,260 | 16 |
| Addison County | 99 | $1.6 million | 0.8% | $1,110 | 14 |
| Orange County | 84 | $1.9 million | 0.9% | $1,260 | 18 |
| Grand Isle County | 59 | $789,179 | 1.5% | $1,340 | 7 |
| Essex County | 13 | $349,646 | 0.4% | n/a | 16 |
Flood-related FEMA disaster declarations in Vermont
Declarations since 2000 that FEMA lists as involving flooding. "Help for individuals" means FEMA's Individual Assistance was approved for at least part of the area.
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4826-VT | Sep 26, 2024 | Severe Storms, Flooding, Landslides, and Mudslides | Yes |
| DR-4816-VT | Sep 11, 2024 | Severe Storms and Flooding | No |
| DR-4810-VT | Aug 20, 2024 | Severe Storm, Flooding, Landslides, and Mudslides | Yes |
| DR-4762-VT | Mar 2, 2024 | Severe Storm and Flooding | No |
| DR-4744-VT | Oct 6, 2023 | Severe Storms and Flooding | No |
| DR-4720-VT | Jul 14, 2023 | Severe Storms, Flooding, Landslides, and Mudslides | Yes |
| EM-3595-VT | Jul 10, 2023 | Flooding | No |
| DR-4695-VT | Mar 20, 2023 | Severe Storm and Flooding | No |
| DR-4621-VT | Sep 29, 2021 | Severe Storm and Flooding | No |
| DR-4474-VT | Jan 17, 2020 | Severe Storm and Flooding | No |
| DR-4445-VT | Jun 14, 2019 | Severe Storms and Flooding | No |
| DR-4380-VT | Jul 30, 2018 | Severe Storm and Flooding | No |
| DR-4356-VT | Jan 2, 2018 | Severe Storm and Flooding | No |
| DR-4330-VT | Aug 16, 2017 | Severe Storms and Flooding | No |
| DR-4232-VT | Jul 29, 2015 | Severe Storm and Flooding | No |
| DR-4178-VT | Jun 11, 2014 | Severe Storms and Flooding | No |
| DR-4140-VT | Aug 2, 2013 | Severe Storms and Flooding | No |
| DR-4120-VT | Jun 13, 2013 | Severe Storms and Flooding | No |
| DR-4066-VT | Jun 22, 2012 | Severe Storm, Tornado, and Flooding | No |
| DR-4043-VT | Nov 8, 2011 | Severe Storms and Flooding | No |
| DR-4001-VT | Jul 8, 2011 | Severe Storms and Flooding | Yes |
| DR-1995-VT | Jun 15, 2011 | Severe Storms and Flooding | Yes |
| DR-1790-VT | Sep 12, 2008 | Severe Storms and Flooding | No |
| DR-1784-VT | Aug 15, 2008 | Severe Storms, A Tornado, and Flooding | No |
| DR-1778-VT | Jul 15, 2008 | Severe Storms and Flooding | No |
Showing the 25 most recent of 32.
What to do with this
A county's history doesn't tell you your own building's risk. To see your property's flood zone, use FEMA's flood map lookup. To weigh coverage, start with do I need flood insurance? and what flood insurance costs.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- NFIP Redacted Policies (v3) (FEMA (OpenFEMA)): NFIP policies in force on June 30, 2026 (a policy counts if its term covers that date and it wasn't cancelled), downloaded 2026-10-08. Policy counts are FEMA's insured units, so a condominium association policy counts each unit. Costs are FEMA's "policy cost" (premium plus reserve fund assessment, federal policy fee and HFIAA surcharge) for single-family homes only. Policies FEMA's data doesn't place in a county count toward the state only.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.