TownTapestry
Sign inJoin
UnderhillGood morning
Natural hazards · Underhill

Underhill, VT natural hazards

Most of the natural-hazard damage FEMA expects in Underhill comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 10 claims here since 1982. 11 federal disasters brought FEMA money into town.

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

How exposed is Underhill?

37
Low
vs. U.S. communities

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

Inland flooding65%Avalanches19%Everything else16%
By hazard

What Underhill faces

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

Inland flooding

65% of expected damage
Above average · higher than 66% of U.S. places
Recorded about 2 times a year in the area

Avalanches

19% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 30 years in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Underhill flood?

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

10paid claims since 1982
$77Kpaid to owners
1homes flooded more than once
19822026

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

What’s been done with FEMA grants

2flood-prone properties bought out and cleared
Disasters that hit Underhill

11 federal disasters brought FEMA money here

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

Brought FEMA money into UnderhillDeclared for Chittenden County only
2024

Severe Storm, Flooding, Landslides, and Mudslides

1 household applied for aid $3K aid approved
2024

Severe Winter Storm

$21K to the Town of Underhill for repairs
2023

Severe Storms, Flooding, Landslides, and Mudslides

10 households applied for aid $23K aid approved
2019

Severe Storm and Flooding

$44K to the Town of Underhill for repairs
2017

Severe Storm and Flooding

$16K to the Town of Underhill for repairs
2015

Severe Storm and Flooding

$3K to the Town of Underhill for repairs
2014

Severe Winter Storm

$25K to the Town of Underhill for repairs
2013

Severe Storms and Flooding

$336K to the Town of Underhill for repairs
2011

Tropical Storm Irene

1 household applied for aid $7K aid approved
2011

Severe Storms and Flooding

11 households applied for aid $31K aid approved $101K to the Town of Underhill for repairs
2001

Snow

$7K to the Town of Underhill for repairs
Chittenden County has had 29 natural disasters declared since 1953, most often severe storms and floods.
Around Underhill

Underhill and the towns around it

Cambridge: Moderate, mostly inland floodingWestford: Low, mostly inland floodingJericho: Very low, mostly inland floodingStowe: Low, mostly inland floodingEssex: Very low, mostly inland floodingFletcher: Low, mostly inland floodingFairfax: Low, mostly inland floodingJohnson: Moderate, mostly inland floodingMorristown: Very low, mostly inland floodingWaterville: Moderate, mostly inland floodingMilton: Low, mostly inland floodingGeorgia: Low, mostly inland floodingWilliston: Very low, mostly inland floodingBolton: Low, mostly inland floodingRichmond: High, mostly inland floodingWorcester: Low, mostly inland floodingWaterbury: Moderate, mostly inland floodingEssex Junction: Low, mostly inland floodingSouth Burlington: Very low, mostly inland floodingColchester: Very low, mostly inland floodingUnderhill: Low, mostly inland flooding UnderhillCambridgeWestfordJerichoStoweEssex
Very lowLowModerateHighVery high
Cambridgemostly inland floodingModerate
Stowemostly inland floodingLow
Underhillmostly inland floodingLow
Westfordmostly inland floodingLow
Jerichomostly inland floodingVery low
Essexmostly 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. Underhill covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Underhill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Underhill. 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 Underhill 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 coffee’s on

Where to, neighbor?

You’re in Underhill, VTChittenden CountyView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Underhill is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
Open detailed map