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Natural hazards · Morristown

Morristown, VT natural hazards

Most of the natural-hazard damage FEMA expects in Morristown comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 8 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 Morristown?

19
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Morristown to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding71%Cold waves7%Everything else22%
By hazard

What Morristown faces

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

Inland flooding

71% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 2 times a year in the area

Cold waves

7% 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 Morristown flood?

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

8paid claims since 1995
$506Kpaid to owners
1homes flooded more than once
19952026

Biggest named events

  • Vermont/New York Flooding: 2 claims, $238K
  • Hurricane Irene: 1 claim, $203K

Homes that flooded again and again

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

of all homes
are insured
No community discount. Morristown 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.
Disasters that hit Morristown

8 federal disasters brought FEMA money here

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

Brought FEMA money into MorristownDeclared for Lamoille County only
2024

Severe Storm, Flooding, Landslides, and Mudslides

$46K to the Town of Morristown for repairs
2023

Severe Storm and Flooding

$525K to the Town of Morristown for repairs
2023

Severe Storms, Flooding, Landslides, and Mudslides

6 households applied for aid $15K aid approved $115K to the Town of Morristown for repairs
2019

Severe Storm and Flooding

$430K to the Town of Morristown for repairs
2011

Tropical Storm Irene

1 household applied for aid $18K to the Town of Morristown for repairs
2011

Severe Storms and Flooding

$180K to the Town of Morristown for repairs
2002

Severe Storms and Flooding

$3K to the Town of Morristown for repairs
2001

Snow

$12K to the Town of Morristown for repairs
Lamoille County has had 35 natural disasters declared since 1953, most often severe storms and floods.
Around Morristown

Morristown and the towns around it

Hyde Park: Very low, mostly inland floodingStowe: Low, mostly inland floodingJohnson: Moderate, mostly inland floodingElmore: Moderate, mostly inland floodingHyde Park: Very low, mostly inland floodingCambridge: Moderate, mostly inland floodingWolcott: Moderate, mostly inland floodingEden: Moderate, mostly inland floodingCraftsbury: Moderate, mostly inland floodingWorcester: Low, mostly inland floodingWaterbury: Moderate, mostly inland floodingUnderhill: Low, mostly inland floodingWaterville: Moderate, mostly inland floodingWoodbury: Low, mostly inland floodingHardwick: Moderate, mostly inland floodingCalais: Low, mostly inland floodingFletcher: Low, mostly inland floodingFairfax: Low, mostly inland floodingWestford: Low, mostly inland floodingMorristown: Very low, mostly inland flooding MorristownHyde ParkStoweJohnsonElmoreHyde ParkCambridge
Very lowLowModerateHighVery high
Cambridgemostly inland floodingModerate
Elmoremostly inland floodingModerate
Johnsonmostly inland floodingModerate
Stowemostly inland floodingLow
Morristownmostly inland floodingVery low
Hyde Parkmostly inland floodingVery low
Hyde Parkmostly 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. Morristown covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Morristown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Morristown. 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 Morristown total about $1.7M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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