Vermont natural disaster risk
Ratings for all 14 counties, the federal disaster record and flood insurance across the state.
Vermont has had 54 major federal disaster declarations for natural events since 1953. FEMA expects about $221 million a year in losses from natural hazards across the state. Inland flooding is the costliest hazard in 14 of its 14 counties. None is rated Very High overall. About 1% of homes carry federal flood insurance, and the program has paid $117 million on 3,688 claims here since 1978.
Highest overall risk
Top hazards
Largest counties
Chittenden County
168,162 people
Inland floodingRutland County
60,514 people
Inland floodingWashington County
59,777 people
Inland floodingWindsor County
57,706 people
Inland floodingFranklin County
49,919 people
Inland floodingWindham County
45,853 people
Inland floodingBennington County
37,345 people
Inland floodingAddison County
37,314 people
Inland floodingCaledonia County
30,211 people
Inland floodingOrange County
29,274 people
Inland floodingOrleans County
27,365 people
Inland floodingLamoille County
25,919 people
Inland floodingCities in Vermont
All 1 cities ›All 14 counties
| Name | People | Overall risk | Top hazard | Declarations | Homes insured |
|---|---|---|---|---|---|
| Addison County | 37,314 | Inland flooding | 28 | 0.8% | |
| Bennington County | 37,345 | Inland flooding | 19 | 1.5% | |
| Caledonia County | 30,211 | Inland flooding | 29 | 0.9% | |
| Chittenden County | 168,162 | Inland flooding | 30 | 0.6% | |
| Essex County | 5,893 | Inland flooding | 28 | 0.4% | |
| Franklin County | 49,919 | Inland flooding | 28 | 0.7% | |
| Grand Isle County | 7,289 | Inland flooding | 16 | 1.5% | |
| Lamoille County | 25,919 | Inland flooding | 36 | 1.1% | |
| Orange County | 29,274 | Inland flooding | 32 | 0.9% | |
| Orleans County | 27,365 | Inland flooding | 31 | 0.4% | |
| Rutland County | 60,514 | Inland flooding | 20 | 0.9% | |
| Washington County | 59,777 | Inland flooding | 31 | 2.3% | |
| Windham County | 45,853 | Inland flooding | 22 | 1.3% | |
| Windsor County | 57,706 | Inland flooding | 25 | 1.9% |
Linked names have a full page. Overall risk from the FEMA National Risk Index (December 2025); declarations are federal disaster and emergency declarations for natural events since 1953 (OpenFEMA); homes insured is the share with NFIP flood policies.