Flood Claims Map

Vermont

Flood insurance claims in Lamoille County, Vermont

FEMA records 174 National Flood Insurance Program claims in Lamoille County, Vermont, since 1980, with $5.7 million paid in total. The year with the most claims was 2023, with 51. As of 3 August 2026, 1.1% of homes here had an NFIP policy.

NFIP claims on record174
Total paid$5.7 million
Claims with a payment143
Homes with NFIP policy1.1%
High-risk zone homes insuredn/a
Residential policies in force125

Claims by year of loss

1980: 319801981: 11982: 31983: 11984: 619841985: 01986: 11987: 01988: 019881989: 21990: 01991: 01992: 019921993: 11994: 01995: 231996: 219961997: 51998: 21999: 02000: 120002001: 02002: 32003: 02004: 020042005: 02006: 02007: 02008: 020082009: 02010: 42011: 262012: 020122013: 72014: 32015: 22016: 020162017: 02018: 22019: 112020: 220202021: 02022: 02023: 512024: 12202451

NFIP claims by year of loss, Lamoille County, Vermont

1980: $2,19419801981: $5811982: $7731983: $01984: $47,04419841985: $01986: $12,0781987: $01988: $019881989: $5,3931990: $01991: $01992: $019921993: $01994: $01995: $391,9191996: $12,34619961997: $18,0471998: $52,5001999: $02000: $020002001: $02002: $29,3542003: $02004: $020042005: $02006: $02007: $02008: $020082009: $02010: $8,3702011: $437,2272012: $020122013: $31,9232014: $12,4192015: $5,8772016: $020162017: $02018: $224,4382019: $316,7042020: $020202021: $02022: $02023: $4.0 million2024: $68,1592024$4.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Vermont/New York Flooding44
Hurricane Irene10
December Nor'easter6
Flooding6
Hurricane Debby1
March 2010 Nor'easter1

ZIP codes with the most claims

ZIP code (as reported)Claims
0565666
0544433
0567223
0566118
0568016
0546412
056552
056621
056531

107 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.0 million, contents $672,961, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone063n/a
All homes11,0481251.1%

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.