Vermont County Foreclosure & Distress Reports (2026)
One report per county — 14 in Vermont — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Vermont distress hub; insurance pressure is on the Vermont home-insurance page.
14 Vermont county reports sit in this archive; Vermont opportunity phases run 4 overheated, 3 early_signal, 2 peak_opportunity; Vermont ninety-day delinquency 0.7%; 12 banks chartered in Vermont; 2,069 HUD-assisted Vermont units.
Vermont counties to open first by opportunity rank: Essex (#110, strong_buy); Windsor (#143, strong_buy); Orleans (#349, overheated) in Vermont; Grand Isle (#431, overheated); Caledonia (#472, peak_opportunity); Windham (#604, overheated).
Vermont insurance bands across counties: 7 medium in Vermont, 5 high, 2 low; Vermont NFIP claims 204 in three years.
Vermont counties in the neutral phase (6): Bennington, Orange, Rutland, Washington, Windham, Windsor.
Vermont counties in the expansion phase (5): Addison, Caledonia, Essex, Lamoille, Orleans.
Vermont counties in the peak phase (3): Chittenden, Franklin, Grand Isle.
Vermont permitted 2,233 housing units in twelve months; 65,626 Vermont units sit vacant of 339,042.
Vermont counties highest on the national opportunity index: Essex #110 (37.0/100, strong_buy); Windsor #143 (36.4/100, strong_buy); Orleans #349 (34.2/100, overheated) in Vermont; Grand Isle #431 (33.8/100, overheated); Caledonia #472 (33.6/100, peak_opportunity); Windham #604 (32.9/100, overheated) in Vermont; Bennington #617 (32.8/100, overheated); Washington #617 (32.8/100, peak_opportunity); Rutland #723 (32.3/100, watchlist) in Vermont; Lamoille #898 (31.6/100, early_signal); Orange #1,311 (30.1/100, early_signal); Franklin #1,422 (29.7/100, early_signal) in Vermont.
How the Vermont county reports are scored: each Vermont report reads its county's foreclosure filings, Vermont tax-lien and tax-deed records, FHA mortgage delinquency in Vermont (ninety-day rate 0.7%, December 2025), the FDIC stress of Vermont lenders (12 chartered in Vermont) and FEMA/NFIP pressure on Vermont (204 NFIP claims, three years), then scores every Vermont ZIP 0-100.
Essex County leads Vermont on the opportunity index at #110 nationally with 12 scored ZIPs. Every Vermont report is rebuilt monthly from public records; a Vermont county whose data lapses keeps its Vermont page and says so.