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Natural hazards · Moretown

Moretown, VT natural hazards

Most of the natural-hazard damage FEMA expects in Moretown comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 36 claims here since 1982. 5 federal disasters brought FEMA money into town.

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

How exposed is Moretown?

66
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Moretown to be higher than in 66% of U.S. communities, mostly from inland flooding.

Inland flooding80%Landslides5%Everything else15%
By hazard

What Moretown 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 86% of U.S. places
Recorded about 2 times a year in the area

Landslides

5% of expected damage
Well above average · higher than 98% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesStrong 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 Moretown flood?

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

36paid claims since 1982
$3.5Mpaid to owners
1homes flooded more than once
19822026

Biggest named events

  • Hurricane Irene: 18 claims, $2.3M
  • Vermont/New York Flooding: 5 claims, $185K
  • December Nor'easter: 1 claim, $1K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Moretown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Washington County.

What’s been done with FEMA grants

12flood-prone properties bought out and cleared
1homes raised above flood level
Disasters that hit Moretown

5 federal disasters brought FEMA money here

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

Brought FEMA money into MoretownDeclared for Washington County only
2024

Severe Storm, Flooding, Landslides, and Mudslides

106 households applied for aid $703K aid approved $4.3M to the Town of Moretown for repairs
2023

Severe Storms, Flooding, Landslides, and Mudslides

9 households applied for aid $18K aid approved $4.7M to the Town of Moretown for repairs
2011

Tropical Storm Irene

88 households applied for aid $487K aid approved $2.1M to the Town of Moretown for repairs
2011

Severe Storms and Flooding

2 households applied for aid $439 aid approved $23K to the Town of Moretown for repairs
2008

Severe Storms and Flooding

$217K to the Town of Moretown for repairs
Washington County has had 27 natural disasters declared since 1953, most often floods and severe storms.
Around Moretown

Moretown and the towns around it

Middlesex: Low, mostly inland floodingWaterbury: Moderate, mostly inland floodingDuxbury: High, mostly inland floodingBerlin: Moderate, mostly inland floodingWaitsfield: Moderate, mostly inland floodingNorthfield: High, mostly inland floodingFayston: Moderate, mostly inland floodingMontpelier: High, mostly inland floodingWorcester: Low, mostly inland floodingEast Montpelier: Very low, mostly inland floodingBolton: Low, mostly inland floodingStowe: Low, mostly inland floodingHuntington: High, mostly inland floodingBarre: Low, mostly inland floodingBarre: High, mostly inland floodingWilliamstown: Low, mostly inland floodingWarren: Low, mostly inland floodingLincoln: Moderate, mostly inland floodingMoretown: High, mostly inland flooding MoretownMiddlesexWaterburyDuxburyBerlinWaitsfieldNorthfieldFayston
Very lowLowModerateHighVery high
Northfieldmostly inland floodingHigh
Moretownmostly inland floodingHigh
Duxburymostly inland floodingHigh
Waterburymostly inland floodingModerate
Berlinmostly inland floodingModerate
Waitsfieldmostly inland floodingModerate
Faystonmostly inland floodingModerate
Middlesexmostly 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. Moretown 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 Moretown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Moretown. 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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