Flood insurance claims in Orleans County, Vermont

FEMA records 102 National Flood Insurance Program claims in Orleans County, Vermont, since 1981, with $2.6 million paid in total. The year with the most claims was 2011, with 23. As of 3 August 2026, 0.3% of homes here had an NFIP policy.

NFIP claims on record102

Total paid$2.6 million

Claims with a payment81

Homes with NFIP policy0.3%

High-risk zone homes insuredn/a

Residential policies in force50

Claims by year of loss

NFIP claims by year of loss, Orleans County, Vermont

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

Named flood events with the most claims

Event (FEMA name)	Claims
Vermont/New York Flooding	14
Hurricane Irene	9
Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
05829	34
05822	20
05860	11
05859	10
05839	7
05868	5
05847	4
05825	4
05855	4
05857	1

63 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.9 million, contents $674,768, increased cost of compliance $30,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	27	n/a
All homes	14,389	50	0.3%

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.