Natural hazards · North Hero

North Hero, VT natural hazards

Most of the natural-hazard damage FEMA expects in North Hero comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 24 claims here since 1983. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is North Hero?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Hero to be higher than in 60% of U.S. communities, mostly from inland flooding.

Inland flooding81%Everything else19%

By hazard

What North Hero faces

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

Inland flooding

81% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 2 years in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 North Hero flood?

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

24paid claims since 1983

$592Kpaid to owners

0homes flooded more than once

19832026

of all homes
are insured

No community discount. North Hero isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Grand Isle County.

Disasters that hit North Hero

1 federal disaster brought FEMA money here

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

Brought FEMA money into North HeroDeclared for Grand Isle County only

2011

Severe Storms and Flooding

52 households applied for aid $37K aid approved

Grand Isle County has had 16 natural disasters declared since 1953, most often severe storms and hurricanes.

Around North Hero

North Hero and the towns around it

Very lowLowModerateHighVery high

Beekmantownmostly inland floodingHigh

North Heromostly inland floodingHigh

Alburghmostly inland floodingHigh

Isle La Mottemostly inland floodingHigh

Grand Islemostly inland floodingModerate

Swantonmostly inland floodingLow

St. Albansmostly 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. North Hero 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 North Hero’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of North Hero. 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.