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Home insurance costs & natural hazards in Vermont

Plain facts for Vermont homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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Vermont at a glance

Four numbers most homeowners ask about first.

$1,203
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$1,587
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.72%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

0 of 14
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Vermont in numbers
642,541
residents (2020 Census)
2.5%
of policies had a paid claim (2022, median ZIP)
$8,366
average paid claim (2022, median ZIP)
2,240
single-family NFIP flood policies (2025)

What homeowners in Vermont pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Vermont ZIP code saw homeowners premiums of $1,203 per policy in 2022, 22% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure held roughly steady between 2018 and 2022. The figures come from 247 Vermont ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
VermontU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 2,240 single-family NFIP policies took effect in Vermont in 2025, at an average full cost of $1,587, compared with $1,305 in 2022. About 55% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

2,240 policies
A zones 55%X/B/C zones 44%V zones 0%Other/unrated 0%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Vermont's 14 counties FEMA rates relatively high or very high for each hazard. The most widespread is lightning. Open any county for its full hazard profile.

How the ratings work

Hazards across Vermont's counties

Counties FEMA rates relatively high or very high

Vermont counties

All 14 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

Typical home premium by county, 2022

Tap a county to open its page. White = not enough data.
Addison County: $1,179Bennington County: $1,681Caledonia County: $1,139Chittenden County: $1,101Essex County: $1,064Franklin County: $1,085Grand Isle County: $1,213Lamoille County: $1,141Orange County: $1,203Orleans County: $1,142Rutland County: $1,229Washington County: $1,172Windham County: $1,409Windsor County: $1,387
under $1,101$1,101–$1,142$1,142–$1,203$1,203–$1,387$1,387+
CountyPremiumFloodFEMA rating
Addison County$1,179$1,320Very Low
Bennington County$1,681$1,587Relatively Low
Caledonia County$1,139$1,809Very Low
Chittenden County$1,101$1,376Relatively Low
Essex County$1,064$1,205Very Low
Franklin County$1,085$1,191Very Low
Grand Isle County$1,213$1,332Very Low
Lamoille County$1,141$1,725Very Low
Orange County$1,203$1,737Very Low
Orleans County$1,142$1,717Very Low
Rutland County$1,229$1,436Relatively Low
Washington County$1,172$1,762Relatively Low
Windham County$1,409$1,562Relatively Low
Windsor County$1,387$1,793Relatively Low

ZIP codes with the most flood policies

05602 Montpelier05149 Ludlow05641 Barre05201 Bennington05478 Saint Albans05701 Rutland05301 Brattleboro05143 Chester05488 Swanton05672 Stowe05446 Colchester05753 Middlebury

Practical next steps

Simple things Vermont homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.