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Natural hazards · St. Albans

St. Albans, VT natural hazards

Most of the natural-hazard damage FEMA expects in St. Albans comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 65 claims here since 1978. 4 federal disasters brought FEMA money into town.

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

How exposed is St. Albans?

11
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Albans to be higher than in 11% of U.S. communities, mostly from inland flooding.

Inland flooding67%Earthquakes8%Lightning5%Cold waves5%Everything else15%
By hazard

What St. Albans faces

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

Inland flooding

67% of expected damage
Below average · higher than 26% of U.S. places
Recorded about 2 times a year in the area

Earthquakes

8% of expected damage
Above average · higher than 65% of U.S. places

Lightning

5% of expected damage
Well above average · higher than 95% of U.S. places

Cold waves

5% of expected damage
Below average · higher than 44% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong wind

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 St. Albans flood?

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

65paid claims since 1978
$1.3Mpaid to owners
3homes flooded more than once
19782026

Homes that flooded again and again

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

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

What’s been done with FEMA grants

1flood-prone homes bought out and moved
1flood-prone properties bought out and cleared
Disasters that hit St. Albans

4 federal disasters brought FEMA money here

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

Brought FEMA money into St. AlbansDeclared for Franklin County only
2022

Severe Storm and Flooding

$20K to the Town of St. Albans for repairs
2011

Tropical Storm Irene

2 households applied for aid $10K aid approved
2011

Severe Storms and Flooding

65 households applied for aid $110K aid approved $137K to the Town of St. Albans for repairs
2002

Severe Storms and Flooding

$37K to the Town of St. Albans for repairs
Franklin County has had 27 natural disasters declared since 1953, most often severe storms and floods.
Around St. Albans

St. Albans and the towns around it

North Hero: High, mostly inland floodingGeorgia: Low, mostly inland floodingGrand Isle: Moderate, mostly inland floodingSwanton: Low, mostly inland floodingFairfield: Low, mostly inland floodingAlburgh: High, mostly inland floodingIsle La Motte: High, mostly inland floodingBeekmantown: High, mostly inland floodingFairfax: Low, mostly inland floodingMilton: Low, mostly inland floodingWestford: Low, mostly inland floodingPlattsburgh: Moderate, mostly inland floodingSouth Hero: Moderate, mostly inland floodingHighgate: Low, mostly inland floodingSheldon: Low, mostly inland floodingBakersfield: Low, mostly inland floodingFletcher: Low, mostly inland floodingEnosburgh: Moderate, mostly inland floodingSt. Albans: Very low, mostly inland flooding St. AlbansNorth HeroGeorgiaGrand IsleSwantonFairfield
Very lowLowModerateHighVery high
North Heromostly inland floodingHigh
Grand Islemostly inland floodingModerate
Swantonmostly inland floodingLow
Fairfieldmostly inland floodingLow
Georgiamostly 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. St. Albans covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to St. Albans’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of St. Albans. 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 St. Albans total about $1.6M 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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