Natural hazards · Waterville

Waterville, VT natural hazards

Most of the natural-hazard damage FEMA expects in Waterville comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Waterville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waterville to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding76%Cold waves7%Everything else17%

By hazard

What Waterville faces

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

Inland flooding

76% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 2 times a year in the area

Cold waves

7% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Waterville flood?

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

of all homes
are insured

No community discount. Waterville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lamoille County.

Disasters that hit Waterville

2 federal disasters brought FEMA money here

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

Brought FEMA money into WatervilleDeclared for Lamoille County only

2023

Severe Storms, Flooding, Landslides, and Mudslides

3 households applied for aid

2011

Severe Storms and Flooding

2 households applied for aid $14K aid approved

Lamoille County has had 35 natural disasters declared since 1953, most often severe storms and floods.

Around Waterville

Waterville and the towns around it

Very lowLowModerateHighVery high

Cambridgemostly inland floodingModerate

Watervillemostly inland floodingModerate

Belvideremostly inland floodingModerate

Johnsonmostly inland floodingModerate

Fletchermostly inland floodingLow

Bakersfieldmostly 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. Waterville 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 Waterville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Waterville. 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.