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Natural hazards · Waterford

Waterford, VT natural hazards

Most of the natural-hazard damage FEMA expects in Waterford comes from inland flooding, and overall the risk is low for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is Waterford?

37
Low
vs. U.S. communities

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

Inland flooding73%Cold waves9%Hurricanes8%Everything else10%
By hazard

What Waterford faces

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

Inland flooding

73% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 2 times a year in the area

Cold waves

9% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 5 times a year in the area

Hurricanes

8% 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 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 Waterford flood?

FEMA's records show no paid flood insurance claims in Waterford.

of all homes
are insured
No community discount. Waterford 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.
Disasters that hit Waterford

7 federal disasters brought FEMA money here

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

Brought FEMA money into WaterfordDeclared for Caledonia County only
2024

Severe Storm, Flooding, Landslides, and Mudslides

38 households applied for aid $337K aid approved $1.0M to the Town of Waterford for repairs
2023

Severe Storms, Flooding, Landslides, and Mudslides

2 households applied for aid $6K to the Town of Waterford for repairs
2017

Severe Storms and Flooding

$35K to the Town of Waterford for repairs
2011

Tropical Storm Irene

1 household applied for aid
2011

Severe Storms and Flooding

13 households applied for aid $14K aid approved $436K to the Town of Waterford for repairs
2007

Severe Storms and Flooding

$11K to the Town of Waterford for repairs
2004

Severe Storms and Flooding

$39K to the Town of Waterford for repairs
Caledonia County has had 27 natural disasters declared since 1953, most often floods and severe storms.
Around Waterford

Waterford and the towns around it

Littleton: Very high, mostly inland floodingConcord: Moderate, mostly inland floodingBarnet: Low, mostly inland floodingSt. Johnsbury: Low, mostly inland floodingDalton: High, mostly avalanchesBethlehem: High, mostly inland floodingLisbon: High, mostly inland floodingMonroe: High, mostly inland floodingLunenburg: Moderate, mostly inland floodingVictory: Moderate, mostly inland floodingKirby: Moderate, mostly inland floodingPeacham: Moderate, mostly inland floodingRyegate: Moderate, mostly inland floodingDanville: Low, mostly inland floodingLyndon: Moderate, mostly inland floodingWaterford: Low, mostly inland flooding WaterfordLittletonConcordBarnetSt. Johnsbury
Very lowLowModerateHighVery high
Littletonmostly inland floodingVery high
Concordmostly inland floodingModerate
Waterfordmostly inland floodingLow
Barnetmostly inland floodingLow
St. Johnsburymostly 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. Waterford 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 Waterford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Waterford. 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.

The coffee’s on

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You’re in Waterford, 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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