Vermont Home-Insurance Distress by County

Vermont reads among the most severe in the country for home-insurance distress — 14 counties averaging 64/100, 7th of 52 states.

6 of Vermont's 14 counties score 70 or higher (severe).

Vermont's reading rests on a FEMA hazard average of 82/100 and NFIP flood-claim stress of 40/100.

Over three years Vermont counties filed 204 NFIP flood claims, $7,619,343 paid.

Highest in Vermont: Caledonia County 89/100 (#148 US), Lamoille County 85/100 (#248 US), Chittenden County 85/100 (#249 US), Orleans County 85/100 (#251 US), Washington County 84/100 (#257 US).

Vermont counties by insurance band: 7 medium (Vermont), 5 high, 2 low; Vermont NFIP claims, three years: 204; Vermont payouts $7.6 million.

Vermont counties with the most NFIP claims: Washington 112 ($4.6 million); Caledonia 47 ($2.3 million); Chittenden 15 ($525,220) in Vermont; Lamoille 12 ($68,159); Orleans 5 ($68,609).

Vermont county average fell: 58.9 in March 2026; Vermont reads 58.3 in October 2026; Vermont by month: March 58.9, April 58.9, May 62.1 (Vermont), June 62.1, July 67.9, August 60.4 (Vermont), September 64.9, October 58.3.

Highest Vermont ZIPs, insurance distress: 03064 0 (climate 91), 03033 0 (climate 91) in Vermont, 03440 0 (climate 91), 03060 0 (climate 91) in Vermont, 03070 0 (climate 91), 03104 0 (climate 91) in Vermont.

Reading the Vermont bands: 5 of 14 Vermont counties sit in a high or worse insurance band; Vermont filed 204 NFIP claims in three years, $7.6 million paid to Vermont policyholders; a Vermont county's band moves when FEMA hazard revisions, new Vermont NFIP settlements or carrier filings change its monthly score.