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FEMA flood zones · statewide

Vermont Flood Zone Map

3,721 flood insurance claims·$117.6M paid·3,901 policies in force

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Vermont. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

Flood Risk in Vermont

Vermont faces a mixed flood risk profile dominated by flash floods and riverine floods. Over the last 30 years, NOAA data records 478 flash flood events resulting in 8 deaths, alongside 400 standard flood events causing 3 deaths. Lakeshore flooding and tropical storms occur less frequently, with 20 lakeshore flood events and 3 tropical storm events.

Recent federal disaster declarations highlight the active nature of these hazards, specifically noting severe storms and flooding on August 22, 2024, and multiple declarations related to Tropical Depression Debby on August 8, 2024. These events underscore the vulnerability of the state to intense precipitation and storm systems.

The distribution of National Flood Insurance Program claims indicates that residents in FEMA Zone A face the highest risk and financial impact, accounting for 2,723 claims and $97 million in total payouts, with an average of $44,345 per claim. However, surprise claims occur outside high-risk areas. Zone X properties recorded 444 claims totaling $12 million, while unshaded Zone X properties accounted for 197 claims totaling $5 million, and shaded Zone X properties saw 150 claims totaling $3 million. Even zones with minimal or undetermined risk, such as Zone D and unknown categories, recorded claims. This spread demonstrates that while Zone A properties need insurance most urgently, property owners across multiple zone categories experience flood losses.

Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.

Vermont Flood Statistics

Total NFIP Claims
3,721
Total Claims Paid
$117.6M
Average Claim
$31,606
NFIP Policies in Force (Aug 31, 2026)
3,901
Average NFIP Premium (Aug 31, 2026)
$1,724/yr
Disaster Declarations
405
Peak Claims Year
2011 (1,459 claims)
Latest Disaster
SEVERE STORMS AND FLOODING (2024-08-22)

Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.

Vermont Disaster History

Vermont has received 405 federal disaster declarations, including 128 flood and coastal storm declarations and 14 hurricane declarations.

Where Vermont’s flood claims are

  1. Washington County1,233
  2. Windsor County511
  3. Windham County312
  4. Rutland County284
  5. Caledonia County271
  6. Chittenden County256
  7. Franklin County177
  8. Lamoille County174
  9. Bennington County112
  10. Orleans County102

NFIP claims by county, 1978 to date. Source: OpenFEMA. Counties ranked by recorded flood events →

The zones you’ll see on the map

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood Insurance in Vermont

Properties in Vermont FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance through the National Flood Insurance Program (NFIP).

Vermont had 3,901 NFIP policies in force on August 31, 2026, and the average NFIP premium was $1,724 a year (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top, and nationally they make actual bills about a quarter higher). Under FEMA’s Risk Rating 2.0 each building is priced on its own flood risk, so a state average says little about what any one home will pay.

Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Vermont residents can purchase flood insurance through the NFIP or private insurers.

Visit FloodSmart.gov to find an agent and get a quote.

See the most flood-prone counties in Vermont →

Vermont Counties (14)

Select a county to view local flood zone data and disaster history:

Vermont Cities (13)

Select a city to check flood zone information: