Vermont Home-Insurance Distress by County

Across Vermont, insurance distress averages 60/100 at the county level — among the most severe in the country, ranking 8th nationally. Every one of Vermont's 14 counties is monitored for coverage pressure — the force that pushes owners to list before any default shows.

For Vermont, the practical value is early identification — coverage-pressured owners surface here before they appear in any foreclosure feed, county by county down the list.

DLRadar treats the Vermont insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

Behind the state number sit an average FEMA hazard score of 76/100 and average NFIP flood-claim stress of 42/100, the hazard basis insurers use to reprice Vermont coverage.

Because Vermont is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #8 national rank and county order move with actual conditions, not a fixed snapshot.

In 5 Vermont counties the score tops 70 (severe) — the markets where keeping a policy is the real problem.

For anyone sourcing acquisitions in Vermont, the value of a state-level insurance read is that it points to which counties to open first: a among the most severe in the country average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

NFIP paid $15,267,431 across 404 Vermont flood claims in three years; that ledger is what reprices coverage statewide.

Underneath the Vermont headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

At the top of the Vermont table sits Caledonia County (88/100) and Orleans County. Every Vermont county appears in the ranked table below, each linking to its own report.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. So in Vermont you can find the owners whose breaking point is the insurance bill, before they list.