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Natural hazards · Cambridge

Cambridge, VT natural hazards

Most of the natural-hazard damage FEMA expects in Cambridge comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 14 claims here since 1982. 17 federal disasters brought FEMA money into town.

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

How exposed is Cambridge?

57
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cambridge to be higher than in 57% of U.S. communities, mostly from inland flooding.

Inland flooding84%Everything else16%
By hazard

What Cambridge faces

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

Inland flooding

84% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Cambridge flood?

Every paid claim on a federal flood insurance policy in Cambridge, from FEMA’s records.

14paid claims since 1982
$249Kpaid to owners
2homes flooded more than once
19822026

Biggest named events

  • Vermont/New York Flooding: 3 claims, $119K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured
No community discount. Cambridge isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lamoille County.
Disasters that hit Cambridge

17 federal disasters brought FEMA money here

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

Brought FEMA money into CambridgeDeclared for Lamoille County only
2024

Severe Winter Storm

$75K to the Town of Cambridge for repairs
2023

Severe Storm and Flooding

$849K to the Town of Cambridge for repairs
2023

Severe Storms, Flooding, Landslides, and Mudslides

$425K to the Town of Cambridge for repairs
2022

Severe Storm and Flooding

$22K to the Town of Cambridge for repairs
2019

Severe Storm and Flooding

$856K to the Town of Cambridge for repairs
2017

Severe Storm and Flooding

$13K to the Town of Cambridge for repairs
2014

Severe Storms and Flooding

$23K to the Town of Cambridge for repairs
2013

Severe Winter Storms

$51K to the Town of Cambridge for repairs
2013

Severe Storms and Flooding

$237K to the Town of Cambridge for repairs
2012

Severe Storm, Tornado, and Flooding

$42K to the Town of Cambridge for repairs
2011

Tropical Storm Irene

$22K to the Town of Cambridge for repairs
2011

Severe Storms and Flooding

$25K to the Town of Cambridge for repairs
2010

Severe Storm

$18K to the Town of Cambridge for repairs
2008

Severe Storms and Flooding

$27K to the Town of Cambridge for repairs
2008

Severe Storms, a Tornado, and Flooding

$22K to the Town of Cambridge for repairs
2004

Severe Storms and Flooding

$95K to the Town of Cambridge for repairs
2001

Snow

$6K to the Town of Cambridge for repairs
Lamoille County has had 35 natural disasters declared since 1953, most often severe storms and floods.
Around Cambridge

Cambridge and the towns around it

Fletcher: Low, mostly inland floodingFairfax: Low, mostly inland floodingUnderhill: Low, mostly inland floodingJohnson: Moderate, mostly inland floodingMorristown: Very low, mostly inland floodingStowe: Low, mostly inland floodingWaterville: Moderate, mostly inland floodingWestford: Low, mostly inland floodingFairfield: Low, mostly inland floodingBakersfield: Low, mostly inland floodingGeorgia: Low, mostly inland floodingMilton: Low, mostly inland floodingJericho: Very low, mostly inland floodingEssex: Very low, mostly inland floodingHyde Park: Very low, mostly inland floodingEden: Moderate, mostly inland floodingElmore: Moderate, mostly inland floodingHyde Park: Very low, mostly inland floodingWorcester: Low, mostly inland floodingWaterbury: Moderate, mostly inland floodingBelvidere: Moderate, mostly inland floodingCambridge: Moderate, mostly inland flooding CambridgeFletcherFairfaxUnderhillJohnsonMorristownStoweWatervilleWestford
Very lowLowModerateHighVery high
Cambridgemostly inland floodingModerate
Watervillemostly inland floodingModerate
Johnsonmostly inland floodingModerate
Fletchermostly inland floodingLow
Fairfaxmostly inland floodingLow
Stowemostly inland floodingLow
Underhillmostly inland floodingLow
Westfordmostly inland floodingLow
Morristownmostly inland floodingVery low
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. Cambridge covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Cambridge’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cambridge. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Cambridge total about $2.4M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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