Flood history / Vermont
Vermont
flood claim history.
Across the 5 Vermont ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $48.2M on 1,236 claims between 1978 and 2025. ZIP 05602 in Washington County carries the most at 427, 34.5% of the state total shown here.
The events driving the most paid claims across these ZIPs are Vermont/New York Flooding (318 claims), Hurricane Irene (248 claims) and December Nor'easter (17 claims).
10.3% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every Vermont ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 05602 | Washington County | 427 | $14.5M | 2011 145 |
| 05641 | Washington County | 384 | $15.3M | 2011 136 |
| 05676 | Washington County | 199 | $9.7M | 2023 88 |
| 05701 | Rutland County | 121 | $1.5M | 2011 59 |
| 05149 | Windsor County | 105 | $7.3M | 2011 48 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.