Flood Claims Map

Vermont

Flood insurance claims in Franklin County, Vermont

FEMA records 177 National Flood Insurance Program claims in Franklin County, Vermont, since 1978, with $2.5 million paid in total. The year with the most claims was 2011, with 54. As of 3 August 2026, 0.7% of homes here had an NFIP policy.

NFIP claims on record177
Total paid$2.5 million
Claims with a payment143
Homes with NFIP policy0.7%
High-risk zone homes insuredn/a
Residential policies in force132

Claims by year of loss

1978: 519781979: 61980: 11981: 81982: 1419821983: 61984: 41985: 11986: 019861987: 01988: 11989: 11990: 019901991: 51992: 21993: 151994: 419941995: 21996: 51997: 121998: 719981999: 02000: 42001: 22002: 220022003: 02004: 02005: 02006: 020062007: 22008: 02009: 12010: 020102011: 542012: 12013: 02014: 020142015: 02016: 02017: 02018: 720182019: 42020: 154

NFIP claims by year of loss, Franklin County, Vermont

1978: $2,90319781979: $8,2391980: $1631981: $16,2941982: $33,66819821983: $10,5731984: $1,2831985: $651986: $019861987: $01988: $01989: $9401990: $019901991: $5,6041992: $5981993: $77,2941994: $39,21419941995: $20,3601996: $22,5681997: $248,0711998: $49,26619981999: $02000: $24,5042001: $4,9352002: $8,56420022003: $02004: $02005: $02006: $020062007: $1,9762008: $02009: $5172010: $020102011: $1.5 million2012: $3,7962013: $02014: $020142015: $02016: $02017: $02018: $340,54920182019: $34,4322020: $5,101$1.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding6
Hurricane Irene1

ZIP codes with the most claims

ZIP code (as reported)Claims
0547854
0548839
0548116
0547115
0545012
054767
054705
054444
054544
054473

91 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.3 million, contents $136,046, increased cost of compliance $60,346.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone082n/a
All homes19,4861320.7%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.