Natural hazards · Elmore

Elmore, VT natural hazards

Most of the natural-hazard damage FEMA expects in Elmore comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 11 claims here since 1995. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Elmore?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Elmore to be higher than in 53% of U.S. communities, mostly from inland flooding.

Inland flooding80%Cold waves6%Everything else14%

By hazard

What Elmore 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 78% of U.S. places

Recorded about 2 times a year in the area

Cold waves

6% of expected damage

Below average · higher than 47% 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 Elmore flood?

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

11paid claims since 1995

$219Kpaid to owners

0homes flooded more than once

19952026

Biggest named events

Vermont/New York Flooding: 4 claims, $93K
Hurricane Irene: 2 claims, $38K

of all homes
are insured

No community discount. Elmore 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.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared

Disasters that hit Elmore

8 federal disasters brought FEMA money here

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

Brought FEMA money into ElmoreDeclared for Lamoille County only

2024

Severe Storms and Flooding

$32K to the Town of Elmore for repairs

2024

Severe Storm, Flooding, Landslides, and Mudslides

4 households applied for aid $17K aid approved $274K to the Town of Elmore for repairs

2023

Severe Storms, Flooding, Landslides, and Mudslides

9 households applied for aid $56K aid approved $146K to the Town of Elmore for repairs

2019

Severe Storm and Flooding

$44K to the Town of Elmore for repairs

2011

Tropical Storm Irene

$46K to the Town of Elmore for repairs

2010

Severe Storm

$2K to the Town of Elmore for repairs

2002

Severe Storms and Flooding

$28K to the Town of Elmore for repairs

2001

Snow

$2K to the Town of Elmore for repairs

Lamoille County has had 35 natural disasters declared since 1953, most often severe storms and floods.

Around Elmore

Elmore and the towns around it

Very lowLowModerateHighVery high

Hardwickmostly inland floodingModerate

Elmoremostly inland floodingModerate

Wolcottmostly inland floodingModerate

Worcestermostly inland floodingLow

Woodburymostly inland floodingLow

Calaismostly 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. Elmore covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Elmore’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Elmore. 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 Elmore total about $993K 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.