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Natural hazards · Lunenburg

Lunenburg, VT natural hazards

Most of the natural-hazard damage FEMA expects in Lunenburg comes from inland flooding, and overall the risk is moderate for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is Lunenburg?

51
Moderate
vs. U.S. communities

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

Inland flooding68%Cold waves15%Hurricanes6%Everything else11%
By hazard

What Lunenburg 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 Lunenburg flood?

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

of all homes
are insured
No community discount. Lunenburg 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.

What’s been done with FEMA grants

2flood-prone properties bought out and cleared
Disasters that hit Lunenburg

7 federal disasters brought FEMA money here

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

Brought FEMA money into LunenburgDeclared for Essex County only
2024

Severe Storm, Flooding, Landslides, and Mudslides

20 households applied for aid $148K aid approved $167K to the Town of Lunenburg for repairs
2023

Severe Storms, Flooding, Landslides, and Mudslides

$83K to the Town of Lunenburg for repairs
2019

Severe Storms and Flooding

$8K to the Town of Lunenburg for repairs
2011

Tropical Storm Irene

$24K to the Town of Lunenburg for repairs
2011

Severe Storms and Flooding

6 households applied for aid $5K aid approved $577K to the Town of Lunenburg for repairs
2007

Severe Storms and Flooding

$10K to the Town of Lunenburg for repairs
2002

Severe Storms and Flooding

$7K to the Town of Lunenburg for repairs
Essex County has had 24 natural disasters declared since 1953, most often severe storms and floods.
Around Lunenburg

Lunenburg and the towns around it

Lancaster: Very high, mostly avalanchesDalton: High, mostly avalanchesConcord: Moderate, mostly inland floodingGuildhall: Moderate, mostly inland floodingVictory: Moderate, mostly inland floodingNorthumberland: Very high, mostly avalanchesJefferson: High, mostly avalanchesLittleton: Very high, mostly inland floodingWhitefield: High, mostly avalanchesWaterford: Low, mostly inland floodingKirby: Moderate, mostly inland floodingMaidstone: High, mostly inland floodingGranby: Moderate, mostly inland floodingBurke: Moderate, mostly inland floodingEast Haven: Moderate, mostly inland floodingLunenburg: Moderate, mostly inland flooding LunenburgLancasterDaltonConcordGuildhallVictory
Very lowLowModerateHighVery high
Lancastermostly avalanchesVery high
Daltonmostly avalanchesHigh
Lunenburgmostly inland floodingModerate
Concordmostly inland floodingModerate
Guildhallmostly inland floodingModerate
Victorymostly inland floodingModerate
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. Lunenburg 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 Lunenburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lunenburg. 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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