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Natural hazards · Vermont

Vermont, WI natural hazards

Most of the natural-hazard damage FEMA expects in Vermont comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2008. 5 federal disasters brought FEMA money into town.

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

How exposed is Vermont?

23
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Vermont to be higher than in 23% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding60%Cold waves16%Tornadoes10%Hail8%Everything else7%
By hazard

What Vermont faces

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

Inland flooding

60% of expected damage
Below average · higher than 40% of U.S. places
Recorded about 2 times a year in the area

Cold waves

16% of expected damage
Above average · higher than 55% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

10% of expected damage
Above average · higher than 68% of U.S. places
Recorded about once every 15 years in the area

Hail

8% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Vermont flood?

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

2paid claims since 2008
$7Kpaid to owners
0homes flooded more than once
20082026

Biggest named events

  • Storm: 1 claim, $5K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Vermont isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dane County.
Disasters that hit Vermont

5 federal disasters brought FEMA money here

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

Brought FEMA money into VermontDeclared for Dane County only
2011

Severe Winter Storm and Snowstorm

$3K to the Town of Vermont for repairs
2008

Severe Storms, Tornadoes, and Flooding

$26K to the Town of Vermont for repairs
2008

Record Snow and Near Record Snow

$3K to the Town of Vermont for repairs
2000

Snow

$2K to the Town of Vermont for repairs
2000

Severe Storms, Tornadoes, and Flooding

$13K to the Town of Vermont for repairs
Dane County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.
Around Vermont

Vermont and the towns around it

Blue Mounds: Very low, mostly inland floodingBlack Earth: Moderate, mostly inland floodingArena: High, mostly inland floodingCross Plains: Low, mostly inland floodingMount Horeb: Very low, mostly inland floodingPerry: Very low, mostly inland floodingSpringdale: Low, mostly inland floodingBrigham: Low, mostly inland floodingBerry: Low, mostly inland floodingMazomanie: Moderate, mostly inland floodingTroy: Moderate, mostly inland floodingSpring Green: Moderate, mostly inland floodingWyoming: High, mostly inland floodingRidgeway: Low, mostly inland floodingCross Plains: High, mostly inland floodingMiddleton: Very low, mostly inland floodingVermont: Low, mostly inland flooding VermontBlue MoundsBlack EarthArenaCross Plains
Very lowLowModerateHighVery high
Arenamostly inland floodingHigh
Black Earthmostly inland floodingModerate
Cross Plainsmostly inland floodingLow
Vermontmostly inland floodingLow
Blue Moundsmostly 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. Vermont covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Vermont’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Vermont. 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 Vermont total about $2.1M 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

Where to, neighbor?

You’re in Vermont, WIDane 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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