Natural hazards · Concord

Concord, VT natural hazards

Most of the natural-hazard damage FEMA expects in Concord comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Concord?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Concord to be higher than in 51% of U.S. communities, mostly from inland flooding.

Inland flooding68%Cold waves15%Hurricanes6%Everything else11%

By hazard

What Concord faces

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

Inland flooding

68% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Below average · higher than 48% of U.S. places

Recorded about 5 times a year in the area

Hurricanes

6% of expected damage

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

Recorded about once every 22 years in the area

Lower here

TornadoesHailIce 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 Concord flood?

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

of all homes
are insured

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

Insurance rates: Essex County.

Disasters that hit Concord

2 federal disasters brought FEMA money here

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

Brought FEMA money into ConcordDeclared for Essex County only

2024

Severe Storm, Flooding, Landslides, and Mudslides

24 households applied for aid $136K aid approved $785K to the Town of Concord for repairs

2011

Severe Storms and Flooding

6 households applied for aid $6K aid approved

Essex County has had 24 natural disasters declared since 1953, most often severe storms and floods.

Around Concord

Concord and the towns around it

Very lowLowModerateHighVery high

Littletonmostly inland floodingVery high

Daltonmostly avalanchesHigh

Concordmostly inland floodingModerate

Lunenburgmostly inland floodingModerate

Victorymostly inland floodingModerate

Kirbymostly inland floodingModerate

Waterfordmostly inland floodingLow

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. Concord 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 Concord’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Concord. 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.