Flood Claims Map

Vermont

Flood insurance claims in Windsor County, Vermont

FEMA records 511 National Flood Insurance Program claims in Windsor County, Vermont, since 1978, with $24.9 million paid in total. The year with the most claims was 2011, with 262. As of 3 August 2026, 1.9% of homes here had an NFIP policy, and 28.1% of homes in the high-risk flood zone did.

NFIP claims on record511
Total paid$24.9 million
Claims with a payment397
Homes with NFIP policy1.9%
High-risk zone homes insured28.1%
Residential policies in force488

Claims by year of loss

1978: 119781979: 91980: 21981: 71982: 019821983: 01984: 31985: 01986: 019861987: 41988: 01989: 11990: 019901991: 01992: 71993: 01994: 119941995: 11996: 71997: 01998: 419981999: 12000: 32001: 12002: 220022003: 22004: 02005: 32006: 520062007: 62008: 32009: 42010: 320102011: 2622012: 12013: 52014: 420142015: 02016: 02017: 32018: 120182019: 82020: 02021: 22022: 120222023: 1412024: 3262

NFIP claims by year of loss, Windsor County, Vermont

1978: $019781979: $9,4371980: $3161981: $7811982: $019821983: $01984: $2,6281985: $01986: $019861987: $8,7441988: $01989: $1,9501990: $019901991: $01992: $1,4511993: $01994: $019941995: $01996: $4,2471997: $01998: $4,90719981999: $7,9982000: $9,0242001: $02002: $5,46820022003: $02004: $02005: $9,6622006: $17,16220062007: $34,8192008: $67,0352009: $47,5342010: $18,29120102011: $13.8 million2012: $02013: $80,4192014: $12,65220142015: $02016: $02017: $35,4112018: $18,21920182019: $185,5822020: $02021: $02022: $9,28520222023: $10.6 million2024: $0$13.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene253
Vermont/New York Flooding131
Flooding9
December Nor'easter3
Hurricane Debby1
Hurricane Sandy1

ZIP codes with the most claims

ZIP code (as reported)Claims
05149105
0509179
0514356
0515324
0503223
0516123
0508921
0577221
0505618
0514217

367 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $22.7 million, contents $2.1 million, increased cost of compliance $157,248.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,05729728.1%
All homes25,7324881.9%

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.