Vermont natural hazard risk by county

Vermont has about $221.2 million in modeled expected annual loss across 14 counties. The state accounts for 0.1% of the national modeled loss total. Its total ranks #52 among 56 state-level entries by modeled loss. FEMA published these 14 county estimates in its December 2025 National Risk Index. The modeled $221.2 million annual average does not predict loss in any one year.

Modeled expected annual loss

$221.2 million / year

Share of US loss

0.1%

State loss rank

#52 of 56

Largest modeled-loss hazard

Riverine Flood

Reading the Vermont county map

The map groups 14 county estimates into five within-state loss classes. Each boundary follows the county geography, while the fill represents modeled dollars per year. The class breaks are calculated from Vermont county values, so a matching shade on another state page need not represent the same amount. Grey marks unmatched geography or an unavailable estimate. Outlined counties link to the detailed profiles available in this release; counties without profiles still contribute to the state totals.

Together, the three largest estimates account for 39.6% of Vermont modeled annual loss. Their combined population represents 44.5% of the state source population. Comparing these two shares helps distinguish the concentration of modeled dollars from the concentration of residents. Neither share identifies the exposure of an individual address, and the map does not show the location of damage within a county.

County totals beside population

Chittenden County, VT combines about $40.1 million in modeled annual loss with 168,162 recorded residents. Dividing those figures gives about $239 per resident, compared with $344 statewide. On this population-adjusted measure, the county places #14 among the 14 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Windsor County, VT combines about $25.1 million in modeled annual loss with 57,706 recorded residents. Dividing those figures gives about $436 per resident, compared with $344 statewide. On this population-adjusted measure, the county places #5 among the 14 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Washington County, VT combines about $22.2 million in modeled annual loss with 59,777 recorded residents. Dividing those figures gives about $372 per resident, compared with $344 statewide. On this population-adjusted measure, the county places #9 among the 14 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Where the leading hazards are concentrated

For riverine flooding, Chittenden County, VT contributes 17.7% of the state hazard total. The next county, Windsor County, VT, contributes about $19.4 million annually, compared with $28.8 million for the leader. Across Vermont, 14 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $114.3 million after those two leading estimates. The state places #47 of 56 state-level entries for this hazard. Its share of the state loss mix is 73.5%. These comparisons describe modeled losses rather than future events.

For cold waves, Bennington County, VT contributes 28.5% of the state hazard total. The next county, Windham County, VT, contributes about $2.1 million annually, compared with $5.0 million for the leader. Across Vermont, 14 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $10.4 million after those two leading estimates. The state places #43 of 56 state-level entries for this hazard. Its share of the state loss mix is 7.9%. These comparisons describe modeled losses rather than future events.

For hurricanes, Windham County, VT contributes 12.8% of the state hazard total. The next county, Windsor County, VT, contributes about $880,000 annually, compared with $987,000 for the leader. Across Vermont, 14 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $5.8 million after those two leading estimates. The state places #27 of 56 state-level entries for this hazard. Its share of the state loss mix is 3.5%. These comparisons describe modeled losses rather than future events.

For earthquakes, Chittenden County, VT contributes 35.2% of the state hazard total. The next county, Franklin County, VT, contributes about $631,000 annually, compared with $2.1 million for the leader. Across Vermont, 14 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $3.3 million after those two leading estimates. The state places #51 of 56 state-level entries for this hazard. Its share of the state loss mix is 2.8%. These comparisons describe modeled losses rather than future events.

For lightning, Chittenden County, VT contributes 23.6% of the state hazard total. The next county, Washington County, VT, contributes about $680,000 annually, compared with $1.4 million for the leader. Across Vermont, 14 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $3.9 million after those two leading estimates. The state places #45 of 56 state-level entries for this hazard. Its share of the state loss mix is 2.7%. These comparisons describe modeled losses rather than future events.

For heat waves, Chittenden County, VT contributes 31.6% of the state hazard total. The next county, Windsor County, VT, contributes about $1.0 million annually, compared with $1.8 million for the leader. Across Vermont, 14 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $2.9 million after those two leading estimates. The state places #46 of 56 state-level entries for this hazard. Its share of the state loss mix is 2.6%. These comparisons describe modeled losses rather than future events.

Vermont hazard totals and county comparisons

Vermont hazard totals combine the county estimates. The largest county column identifies concentration within each hazard; the state rank compares the same hazard across state-level entries.

Vermont county loss totals

Vermont population, values and ratings

Population

642,541

Building value

$174.13 billion

Agricultural value

$1.01 billion

Modeled loss per resident

$344

Vermont county pages

Vermont has 1 detailed county page linked below.

• Chittenden County, VT: county detail

US county comparisons alongside Vermont