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Natural hazards · St. Johnsbury

St. Johnsbury, VT natural hazards

Most of the natural-hazard damage FEMA expects in St. Johnsbury comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 49 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is St. Johnsbury?

37
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Johnsbury to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding71%Cold waves11%Hurricanes7%Everything else12%
By hazard

What St. Johnsbury 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
Above average · higher than 60% of U.S. places
Recorded about 2 times a year in the area

Cold waves

11% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 5 times a year in the area

Hurricanes

7% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about once every 22 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat 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 St. Johnsbury flood?

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

49paid claims since 1978
$781Kpaid to owners
5homes flooded more than once
19782026

Biggest named events

  • Hurricane Irene: 7 claims, $199K

Homes that flooded again and again

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

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

What’s been done with FEMA grants

8flood-prone properties bought out and cleared
Disasters that hit St. Johnsbury

10 federal disasters brought FEMA money here

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

Brought FEMA money into St. JohnsburyDeclared for Caledonia County only
2024

Severe Storm, Flooding, Landslides, and Mudslides

193 households applied for aid $1.1M aid approved $2.9M to the Town of St. Johnsbury for repairs
2023

Severe Storms, Flooding, Landslides, and Mudslides

14 households applied for aid $4K aid approved $153K to the Town of St. Johnsbury for repairs
2014

Severe Storms and Flooding

$10K to the Town of St. Johnsbury for repairs
2013

Severe Storms and Flooding

$47K to the Town of St. Johnsbury for repairs
2011

Tropical Storm Irene

19 households applied for aid $12K aid approved $31K to the Town of St. Johnsbury for repairs
2011

Severe Storms and Flooding

122 households applied for aid $130K aid approved $469K to the Town of St. Johnsbury for repairs
2008

Severe Storms and Flooding

$10K to the Town of St. Johnsbury for repairs
2007

Severe Storms and Flooding

$7K to the Town of St. Johnsbury for repairs
2004

Severe Storms and Flooding

$6K to the Town of St. Johnsbury for repairs
2002

Severe Storms and Flooding

$33K to the Town of St. Johnsbury for repairs
Caledonia County has had 27 natural disasters declared since 1953, most often floods and severe storms.
Around St. Johnsbury

St. Johnsbury and the towns around it

Danville: Low, mostly inland floodingKirby: Moderate, mostly inland floodingLyndon: Moderate, mostly inland floodingWaterford: Low, mostly inland floodingBarnet: Low, mostly inland floodingCabot: Moderate, mostly inland floodingPeacham: Moderate, mostly inland floodingWheelock: Low, mostly inland floodingBurke: Moderate, mostly inland floodingVictory: Moderate, mostly inland floodingConcord: Moderate, mostly inland floodingSutton: Low, mostly inland floodingLittleton: Very high, mostly inland floodingMonroe: High, mostly inland floodingRyegate: Moderate, mostly inland floodingSt. Johnsbury: Low, mostly inland flooding St. JohnsburyDanvilleKirbyLyndonWaterfordBarnet
Very lowLowModerateHighVery high
Lyndonmostly inland floodingModerate
Kirbymostly inland floodingModerate
St. Johnsburymostly inland floodingLow
Waterfordmostly inland floodingLow
Barnetmostly inland floodingLow
Danvillemostly 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. St. Johnsbury covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to St. Johnsbury’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of St. Johnsbury. 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. Johnsbury total about $2.4M 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.

The door’s open

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You’re in St. Johnsbury, VTCaledonia CountyView boundary

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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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