Flood insurance claims in Vermont by county
FEMA records 3,688 NFIP claims in Vermont's counties, with $117.6 million paid. As of 3 August 2026, 2,848 NFIP residential policies were in force, equal to 1.1% of the state's residential structures.
| Washington County | 1,234 | $49.8 million | 2.3% |
| Windsor County | 511 | $24.9 million | 1.9% |
| Windham County | 312 | $10.9 million | 1.3% |
| Rutland County | 284 | $4.8 million | 0.9% |
| Caledonia County | 271 | $6.1 million | 0.9% |
| Chittenden County | 256 | $4.0 million | 0.6% |
| Franklin County | 177 | $2.5 million | 0.7% |
| Lamoille County | 174 | $5.7 million | 1.1% |
| Bennington County | 112 | $1.5 million | 1.5% |
| Orleans County | 102 | $2.6 million | 0.3% |
| Addison County | 99 | $1.6 million | 0.8% |
| Orange County | 84 | $1.9 million | 0.9% |
| Grand Isle County | 59 | $789,179 | 1.5% |
| Essex County | 13 | $349,646 | 0.4% |
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
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.