Natural hazards · Albany

Albany, VT natural hazards

Most of the natural-hazard damage FEMA expects in Albany comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Albany?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Albany to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding80%Cold waves8%Everything else13%

By hazard

What Albany faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

80% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Albany flood?

FEMA's records show no paid flood insurance claims in Albany.

of all homes
are insured

No community discount. Albany isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Orleans County.

Disasters that hit Albany

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Albany itself: aid to households, or repair grants to the Village of Albany.

Brought FEMA money into AlbanyDeclared for Orleans County only

2024

Severe Storm, Flooding, Landslides, and Mudslides

3 households applied for aid $68K aid approved

2023

Severe Storms, Flooding, Landslides, and Mudslides

7 households applied for aid $12K aid approved

2011

Tropical Storm Irene

4 households applied for aid $2K aid approved

Orleans County has had 29 natural disasters declared since 1953, most often severe storms and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Albany is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Albany’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Albany. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.