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Flood insurance cost · VT

Flood insurance cost in Vermont

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,584 home policies in force on August 31, 2026.

VermontPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,364a year

Half of insured homes paid between $916 and $2,086. That is 26% more than the national median ($1,082). The most common flood zone for insured homes here is zone AE (49%).

$0$916 · $1,364 · $2,086$2,608
+13.3% vs Aug 31, 2025 (median $1,204)
2,584home policies in force
$1,680average cost (mean)
58%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Vermont

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,861$1,217–$2,784$2,1011,279 (49%)+8.7%
Zone A
High risk		$1,280$865–$2,101$1,683224 (9%)+6.3%
Zone X
Moderate to low risk		$1,109$709–$1,398$1,1821,077 (42%)+8.3%

Not shown (fewer than 10 home policies): VE, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Vermont, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,143$1,348$1,647
2–4 unit building265$2,012$2,329
Manufactured (mobile) home84$1,298$1,420
Condo or apartment unit92$615$811
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		114$3,018$3,947
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		763$3,218$4,162
3,461NFIP policies in force, any building
3,755insured units (condo association policies count every unit)
62%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Vermont

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force2,7042,584−4.4%
Median annual cost$1,204$1,364+13.3%
Average annual cost$1,572$1,680+6.9%
All policies in force (any building)3,6223,461−4.4%

Flood claims history

Since 1978, NFIP policyholders in Vermont have filed 3,725 flood claims. 2,938 received a payment, for a total of $118.2 million (an average of $40,216 per paid claim). The year with the most claims was 2011 (1,459 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 35 claims, 21 paid, $31,982 in total1979: 45 claims, 32 paid, $54,404 in total1980: 35 claims, 22 paid, $31,000 in total19801981: 93 claims, 75 paid, $258,976 in total1982: 47 claims, 39 paid, $82,640 in total1983: 36 claims, 24 paid, $118,064 in total1984: 55 claims, 31 paid, $218,015 in total1986: 11 claims1987: 36 claims, 23 paid, $120,876 in total1989: 21 claims, 15 paid, $23,513 in total1990: 11 claims19901992: 93 claims, 68 paid, $1,555,091 in total1993: 36 claims, 27 paid, $129,763 in total1994: 17 claims1995: 54 claims, 42 paid, $564,772 in total1996: 48 claims, 31 paid, $216,579 in total1997: 32 claims, 28 paid, $343,235 in total1998: 69 claims, 53 paid, $874,958 in total2000: 59 claims, 42 paid, $610,957 in total20002002: 54 claims, 46 paid, $969,041 in total2003: 10 claims2005: 19 claims, 10 paid, $53,809 in total2006: 20 claims, 13 paid, $199,113 in total2007: 42 claims, 32 paid, $246,340 in total2008: 39 claims, 30 paid, $654,170 in total2009: 20 claims, 17 paid, $178,090 in total2010: 18 claims, 11 paid, $124,896 in total20102011: 1,459 claims, 1,215 paid, $54,757,135 in total20112013: 40 claims, 32 paid, $313,261 in total2014: 27 claims, 18 paid, $149,025 in total2015: 34 claims, 27 paid, $309,250 in total2017: 19 claims, 11 paid, $156,900 in total2018: 20 claims, 13 paid, $618,889 in total2019: 74 claims, 60 paid, $1,526,912 in total20202021: 27 claims, 13 paid, $331,868 in total2023: 710 claims, 614 paid, $44,454,388 in total20232024: 196 claims, 158 paid, $7,603,447 in total2024
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (37)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024196158$7,603,447$48,123
2023710614$44,454,388$72,401
20212713$331,868$25,528
20197460$1,526,912$25,449
20182013$618,889$47,607
20171911$156,900$14,264
20153427$309,250$11,454
20142718$149,025$8,279
20134032$313,261$9,789
20111,4591,215$54,757,135$45,068
20101811$124,896$11,354
20092017$178,090$10,476
20083930$654,170$21,806
20074232$246,340$7,698
20062013$199,113$15,316
20051910$53,809$5,381
200310<10––
20025446$969,041$21,066
20005942$610,957$14,547
19986953$874,958$16,509
19973228$343,235$12,258
19964831$216,579$6,986
19955442$564,772$13,447
199417<10––
19933627$129,763$4,806
19929368$1,555,091$22,869
199011<10––
19892115$23,513$1,568
19873623$120,876$5,255
198611<10––
19845531$218,015$7,033
19833624$118,064$4,919
19824739$82,640$2,119
19819375$258,976$3,453
19803522$31,000$1,409
19794532$54,404$1,700
19783521$31,982$1,523

From 2016 to 2026: 1,046 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Vermont

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Caledonia County89$1,700
Essex County15$1,044
Grand Isle County82$1,388
Orleans County44$1,236