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Natural hazards · Kirby

Kirby, VT natural hazards

Most of the natural-hazard damage FEMA expects in Kirby comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2024. 7 federal disasters brought FEMA money into town.

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

How exposed is Kirby?

42
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Kirby to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding73%Cold waves10%Hurricanes7%Everything else10%
By hazard

What Kirby faces

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

Inland flooding

73% of expected damage
Above average · higher than 67% of U.S. places
Recorded about 2 times a year in the area

Cold waves

10% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 5 times a year in the area

Hurricanes

7% of expected damage
Well above average · higher than 78% 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 Kirby flood?

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

1paid claims since 2024
$15Kpaid to owners
0homes flooded more than once
20242026
of all homes
are insured
No community discount. Kirby isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Caledonia County.
Disasters that hit Kirby

7 federal disasters brought FEMA money here

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

Brought FEMA money into KirbyDeclared for Caledonia County only
2024

Severe Storm, Flooding, Landslides, and Mudslides

2 households applied for aid $6K aid approved $1.5M to the Town of Kirby for repairs
2014

Severe Storms and Flooding

$29K to the Town of Kirby for repairs
2011

Tropical Storm Irene

$6K to the Town of Kirby for repairs
2011

Severe Storms and Flooding

$353K to the Town of Kirby for repairs
2008

Severe Storms and Flooding

$28K to the Town of Kirby for repairs
2007

Severe Storms and Flooding

$7K to the Town of Kirby for repairs
2004

Severe Storms and Flooding

$2K to the Town of Kirby for repairs
Caledonia County has had 27 natural disasters declared since 1953, most often floods and severe storms.
Around Kirby

Kirby and the towns around it

Burke: Moderate, mostly inland floodingLyndon: Moderate, mostly inland floodingVictory: Moderate, mostly inland floodingSt. Johnsbury: Low, mostly inland floodingConcord: Moderate, mostly inland floodingSutton: Low, mostly inland floodingEast Haven: Moderate, mostly inland floodingNewark: Low, mostly inland floodingWheelock: Low, mostly inland floodingGranby: Moderate, mostly inland floodingLunenburg: Moderate, mostly inland floodingDanville: Low, mostly inland floodingWaterford: Low, mostly inland floodingBarnet: Low, mostly inland floodingLittleton: Very high, mostly inland floodingDalton: High, mostly avalanchesKirby: Moderate, mostly inland flooding KirbyBurkeLyndonVictorySt. JohnsburyConcord
Very lowLowModerateHighVery high
Victorymostly inland floodingModerate
Concordmostly inland floodingModerate
Lyndonmostly inland floodingModerate
Kirbymostly inland floodingModerate
Burkemostly inland floodingModerate
St. Johnsburymostly 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. Kirby covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Kirby’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Kirby. 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 Kirby total about $778K 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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You’re in Kirby, VTCaledonia CountyView boundary

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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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