Natural hazards · Derby Line

Derby Line, VT natural hazards

Most of the natural-hazard damage FEMA expects in Derby Line comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Derby Line?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Derby Line to be higher than in 36% of U.S. communities, mostly from inland flooding.

Inland flooding77%Cold waves9%Hurricanes5%Everything else10%

By hazard

What Derby Line faces

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

Inland flooding

77% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 2 times a year in the area

Cold waves

9% of expected damage

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

Recorded about 5 times a year in the area

Hurricanes

5% of expected damage

Above average · higher than 68% of U.S. places

Recorded about once every 28 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Derby Line flood?

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

of all homes
are insured

No community discount. Derby Line 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 Derby Line

4 federal disasters brought FEMA money here

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

Brought FEMA money into Derby LineDeclared for Orleans County only

2024

Severe Storm, Flooding, Landslides, and Mudslides

9 households applied for aid $48K aid approved

2023

Severe Storms, Flooding, Landslides, and Mudslides

8 households applied for aid $42K aid approved

2011

Tropical Storm Irene

1 household applied for aid

2011

Severe Storms and Flooding

6 households applied for aid $9K 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. Derby Line 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 Derby Line’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Derby Line. 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.