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Natural hazards · Jay

Jay, VT natural hazards

Most of the natural-hazard damage FEMA expects in Jay comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2011. 6 federal disasters brought FEMA money into town.

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

How exposed is Jay?

20
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jay to be higher than in 20% of U.S. communities, mostly from inland flooding.

Inland flooding76%Cold waves8%Everything else16%
By hazard

What Jay faces

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

Inland flooding

76% of expected damage
Below average · higher than 45% 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 Jay flood?

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

1paid claims since 2011
$5Kpaid to owners
0homes flooded more than once
20112026

Biggest named events

  • Hurricane Irene: 1 claim, $5K
of all homes
are insured
No community discount. Jay 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 Jay

6 federal disasters brought FEMA money here

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

Brought FEMA money into JayDeclared for Orleans County only
2023

Severe Storm and Flooding

$92K to the Town of Jay for repairs
2023

Severe Storms, Flooding, Landslides, and Mudslides

4 households applied for aid $12K aid approved $22K to the Town of Jay for repairs
2019

Severe Storm and Flooding

$21K to the Town of Jay for repairs
2011

Tropical Storm Irene

5 households applied for aid $6K aid approved $79K to the Town of Jay for repairs
2011

Severe Storms and Flooding

$27K to the Town of Jay for repairs
2001

Snow

$2K to the Town of Jay for repairs
Orleans County has had 29 natural disasters declared since 1953, most often severe storms and floods.
Around Jay

Jay and the towns around it

Richford: High, mostly inland floodingTroy: Low, mostly inland floodingBerkshire: Moderate, mostly inland floodingMontgomery: High, mostly inland floodingEnosburgh: Moderate, mostly inland floodingNewport: Low, mostly inland floodingWestfield: Low, mostly inland floodingJay: Low, mostly inland flooding JayRichfordTroy
Very lowLowModerateHighVery high
Richfordmostly inland floodingHigh
Jaymostly inland floodingLow
Troymostly 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. Jay 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 Jay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Jay. 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.

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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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