Vermont
flood insurance data

NFIP premiums in Vermont

NFIP premiums: what NFIP policyholders paid, not a quote. Across 2,687 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,300, and half of them fall between $940 (Q1) and $2,140 (Q3).

With 2,687 residential NFIP policies effective 2025, Vermont has the 6th fewest of 53 States and territories. The median NFIP premium in Vermont, $1,300, is 23.2% above the national median ($1,055); it is the 5th highest of 53 States and territories. Of the 3 zones listed (AE, X, A), zone AE has the highest median premium ($1,804) and zone X the lowest ($1,110). No coastal V or VE zone is listed.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 2,687 policies.

NFIP paid building claims in Vermont

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 886 paid claims; median $21,940, half of them between $9,620 (Q1) and $57,000 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $23,927, a monetary adjustment, not today’s cost of repair.

With 886 paid claims (year of loss 2015-2024), Vermont has the 22nd fewest of 53 States and territories.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 38 flood, hurricane and severe-storm declarations (DR and EM) covering Vermont, 35 of them major disaster declarations.

Vermont counts 38 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 14th most of 53 States and territories. Severe Storm declarations are the most frequent (25), ahead of Flood (10) and Hurricane (3).

Latest declarations

• DR-4826: SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (Flood, 2024-09-26)
• DR-4816: SEVERE STORMS AND FLOODING (Flood, 2024-09-11)
• DR-4810: SEVERE STORM, FLOODING, LANDSLIDES, AND MUDSLIDES (Severe Storm, 2024-08-20)
• DR-4770: SEVERE WINTER STORM (Severe Storm, 2024-04-19)
• DR-4762: SEVERE STORM AND FLOODING (Severe Storm, 2024-03-02)

FEMA assistance to homeowners

Since 2002: 11,018 owner registrations inspected by FEMA in Vermont after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Of the 11,018 owner registrations FEMA inspected in Vermont after disasters of every declared type, 3.1% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4022, TROPICAL STORM IRENE (declared 2011-09-01), with 3,945.

Disasters with the most inspections

• DR-4022, TROPICAL STORM IRENE (declared 2011-09-01): 3,945 inspections
• DR-4720, SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES (declared 2023-07-14): 3,749 inspections
• DR-4810, SEVERE STORM, FLOODING, LANDSLIDES, AND MUDSLIDES (declared 2024-08-20): 1,846 inspections
• DR-1995, SEVERE STORMS AND FLOODING (declared 2011-06-15): 748 inspections
• DR-4001, SEVERE STORMS AND FLOODING (declared 2011-07-08): 472 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 267 NFIP communities in Vermont: 247 participate in the NFIP and 6 (2.2%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Berlin, Town of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Vermont dates from 1974-11-15 (Wheelock, Town of). 20 of these communities do not participate in the NFIP; 20 carry a sanction, 5 coded as a suspension and 0 as a withdrawal.

Questions about flood insurance in Vermont

How much is flood insurance in Vermont?

NFIP policyholders in Vermont paid a median of $1,300 for residential policies effective 2025 (2,687 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $940 and $2,140; $1,737 inside the Special Flood Hazard Area against $1,110 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Vermont had?

886 NFIP building claims were paid (year of loss 2015-2024), with a median of $21,940; the year with the most was 2023 (601), and the named event with the most was Vermont/New York Flooding (541). These are amounts paid, not repair cost.

Is Vermont in a flood zone?

Of the residential NFIP policies of Vermont (policies effective 2025), 1,591 are rated inside the Special Flood Hazard Area and 1,095 outside it (zones listed: AE, X, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Named storms with paid claims in Vermont

• Hurricane Irene

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).