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Natural hazards · Plymouth

Plymouth, VT natural hazards

Most of the natural-hazard damage FEMA expects in Plymouth comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 15 claims here since 1981. 5 federal disasters brought FEMA money into town.

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

How exposed is Plymouth?

68
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Plymouth to be higher than in 68% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else15%
By hazard

What Plymouth faces

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

Inland flooding

86% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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 Plymouth flood?

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

15paid claims since 1981
$772Kpaid to owners
2homes flooded more than once
19812026

Biggest named events

  • Hurricane Irene: 7 claims, $567K
  • Vermont/New York Flooding: 5 claims, $190K

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. Plymouth isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Windsor County.

What’s been done with FEMA grants

3flood-prone properties bought out and cleared
Disasters that hit Plymouth

5 federal disasters brought FEMA money here

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

Brought FEMA money into PlymouthDeclared for Windsor County only
2023

Severe Storm and Flooding

$215K to the Town of Plymouth for repairs
2023

Severe Storms, Flooding, Landslides, and Mudslides

59 households applied for aid $252K aid approved $3.2M to the Town of Plymouth for repairs
2014

Severe Winter Storm

$18K to the Town of Plymouth for repairs
2011

Tropical Storm Irene

87 households applied for aid $258K aid approved $1.4M to the Town of Plymouth for repairs
2001

Snow

$3K to the Town of Plymouth for repairs
Windsor County has had 23 natural disasters declared since 1953, most often severe storms and floods.
Around Plymouth

Plymouth and the towns around it

Ludlow: Moderate, mostly inland floodingBridgewater: High, mostly inland floodingReading: Moderate, mostly inland floodingMount Holly: Moderate, mostly inland floodingShrewsbury: Very low, mostly inland floodingMendon: Very low, mostly inland floodingCavendish: High, mostly inland floodingChester: High, mostly inland floodingAndover: Low, mostly inland floodingKillington: Very low, mostly inland floodingBarnard: Moderate, mostly inland floodingWoodstock: High, mostly inland floodingStockbridge: Moderate, mostly inland floodingPomfret: Moderate, mostly inland floodingWest Windsor: Moderate, mostly inland floodingWallingford: Moderate, mostly inland floodingWeston: Low, mostly inland floodingMount Tabor: Moderate, mostly inland floodingClarendon: Low, mostly inland floodingRutland: Very low, mostly inland floodingPlymouth: High, mostly inland flooding PlymouthLudlowBridgewaterReadingMount HollyShrewsburyMendon
Very lowLowModerateHighVery high
Plymouthmostly inland floodingHigh
Bridgewatermostly inland floodingHigh
Ludlowmostly inland floodingModerate
Mount Hollymostly inland floodingModerate
Readingmostly inland floodingModerate
Shrewsburymostly inland floodingVery low
Mendonmostly 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. Plymouth 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 Plymouth’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Plymouth. 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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