Lamoille County flood history
Vermont · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 174 flood insurance claims in Lamoille County, Vermont since 1978. The NFIP paid $5.7 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2023, with 51, mostly from Vermont/New York Flooding.
In the last ten years (2017–2026) there were 78 claims, and the average paid claim was $67,399.
37% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 1.1% of homes in Lamoille County, Vermont had an NFIP flood policy in FEMA's latest count (125 of 11,048 residential buildings).
Since 2000, FEMA has made 18 flood-related disaster declarations covering Lamoille County, Vermont. The most recent was DR-4816-VT (Severe Storms and Flooding), declared September 11, 2024.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2024 | 12 | $68,159 |
| 2023 | 51 | $4.0 million |
| 2020 | 2 | $0 |
| 2019 | 11 | $316,704 |
| 2018 | 2 | $224,438 |
| 2015 | 2 | $5,877 |
| 2014 | 3 | $12,419 |
| 2013 | 7 | $31,923 |
| 2011 | 26 | $437,227 |
| 2010 | 4 | $8,370 |
| 2002 | 3 | $29,354 |
| 2000 | 1 | $0 |
| 1998 | 2 | $52,500 |
| 1997 | 5 | $18,047 |
| 1996 | 2 | $12,346 |
| 1995 | 23 | $391,919 |
| 1993 | 1 | $0 |
| 1989 | 2 | $5,393 |
| 1986 | 1 | $12,078 |
| 1984 | 6 | $47,044 |
| 1983 | 1 | $0 |
| 1982 | 3 | $773 |
| 1981 | 1 | $581 |
| 1980 | 3 | $2,194 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Vermont/New York Flooding | 2023 | 44 | $3.8 million |
| Hurricane Irene | 2011 | 10 | $253,520 |
| December Nor'easter | 2023 | 6 | $123,869 |
| Flooding | 1984 | 6 | $47,044 |
| March 2010 Nor'easter | 2010 | 1 | $2,185 |
| Hurricane Debby | 2024 | 1 | $0 |
How many homes have flood insurance
FEMA counts 125 residential NFIP policies in Lamoille County, against 11,048 residential buildings (1.1%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4816-VT | Sep 11, 2024 | Severe Storms and Flooding | No |
| DR-4810-VT | Aug 20, 2024 | Severe Storm, Flooding, Landslides, and Mudslides | Yes |
| DR-4762-VT | Mar 2, 2024 | Severe Storm and Flooding | No |
| DR-4720-VT | Jul 14, 2023 | Severe Storms, Flooding, Landslides, and Mudslides | Yes |
| EM-3595-VT | Jul 10, 2023 | Flooding | No |
| DR-4695-VT | Mar 20, 2023 | Severe Storm and Flooding | No |
| DR-4474-VT | Jan 17, 2020 | Severe Storm and Flooding | No |
| DR-4380-VT | Jul 30, 2018 | Severe Storm and Flooding | No |
| DR-4356-VT | Jan 2, 2018 | Severe Storm and Flooding | No |
| DR-4178-VT | Jun 11, 2014 | Severe Storms and Flooding | No |
| DR-4120-VT | Jun 13, 2013 | Severe Storms and Flooding | No |
| DR-4066-VT | Jun 22, 2012 | Severe Storm, Tornado, and Flooding | No |
| DR-1995-VT | Jun 15, 2011 | Severe Storms and Flooding | Yes |
| DR-1790-VT | Sep 12, 2008 | Severe Storms and Flooding | No |
| DR-1784-VT | Aug 15, 2008 | Severe Storms, A Tornado, and Flooding | No |
| DR-1698-VT | May 4, 2007 | Severe Storms and Flooding | No |
| DR-1559-VT | Sep 23, 2004 | Severe Storms and Flooding | No |
| DR-1428-VT | Jul 12, 2002 | Severe Storms and Flooding | Yes |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Vermont.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.