Flood Claims Map

Vermont

Flood insurance claims in Windham County, Vermont

FEMA records 312 National Flood Insurance Program claims in Windham County, Vermont, since 1978, with $10.9 million paid in total. The year with the most claims was 2011, with 180. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 15.6% of homes in the high-risk flood zone did.

NFIP claims on record312
Total paid$10.9 million
Claims with a payment223
Homes with NFIP policy1.3%
High-risk zone homes insured15.6%
Residential policies in force269

Claims by year of loss

1978: 219781979: 11980: 21981: 41982: 319821983: 21984: 41985: 01986: 119861987: 181988: 01989: 01990: 419901991: 01992: 11993: 01994: 019941995: 01996: 51997: 01998: 119981999: 22000: 92001: 12002: 020022003: 22004: 32005: 82006: 020062007: 12008: 32009: 22010: 120102011: 1802012: 12013: 12014: 220142015: 12016: 02017: 12018: 120182019: 42020: 02021: 142022: 020222023: 252024: 12025: 02026: 12026180

NFIP claims by year of loss, Windham County, Vermont

1978: $30519781979: $01980: $7,6391981: $2,7081982: $5,61819821983: $01984: $42,6301985: $01986: $019861987: $100,4261988: $01989: $01990: $4,02419901991: $01992: $3,7101993: $01994: $019941995: $01996: $48,0701997: $01998: $019981999: $02000: $41,4972001: $02002: $020022003: $02004: $02005: $21,0082006: $020062007: $4,2192008: $2,7162009: $6,8142010: $9,02520102011: $9.1 million2012: $02013: $02014: $45720142015: $02016: $02017: $1,3112018: $1,88220182019: $141,6842020: $02021: $66,3772022: $020222023: $1.3 million2024: $02025: $02026: $02026$9.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene177
Vermont/New York Flooding24
Flooding2
March 2010 Nor'easter1
Hurricane Sandy1
December Nor'easter1

ZIP codes with the most claims

ZIP code (as reported)Claims
0536349
0530149
0514828
0534327
0534525
0530321
0514617
0535513
0535612
0515812

226 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $9.9 million, contents $991,239, increased cost of compliance $38,530.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone74911715.6%
All homes21,0122691.3%

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

  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.