Flood insurance claims in Essex County, Vermont

FEMA records 13 National Flood Insurance Program claims in Essex County, Vermont, since 1981, with $349,646 paid in total. The year with the most claims was 2011, with 6. As of 3 August 2026, 0.4% of homes here had an NFIP policy.

NFIP claims on record13

Total paid$349,646

Claims with a payment8

Homes with NFIP policy0.4%

High-risk zone homes insuredn/a

Residential policies in force17

Claims by year of loss

NFIP claims by year of loss, Essex County, Vermont

Paid on claims by year of loss (building, contents and increased cost of compliance), Essex County, Vermont

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
05903	4
05902	4
05846	3

8 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $194,939, contents $154,706, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	14	n/a
All homes	4,548	17	0.4%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.