Out of 218 ZIP codes with data in Vermont, these are the highest-ranked areas for flood claims. See also: National ZIP Codes with Highest Flood Risk | All Vermont Rankings
| Statistic | Value |
|---|---|
| ZIP codes ranked | 218 |
| Highest value | 427 claims |
| Median value | 6 claims |
| State | Vermont |
Top 100 Worst ZIP Codes
| Rank | ZIP Code | City | State | Flood Claims | Safety Score |
|---|---|---|---|---|---|
| 1 | 05602 | Montpelier | VT | 427 claims | 63/100 |
| 2 | 05641 | Barre | VT | 384 claims | 67/100 |
| 3 | 05676 | Waterbury | VT | 199 claims | 69/100 |
| 4 | 05701 | Rutland | VT | 121 claims | 68/100 |
| 5 | 05149 | Ludlow | VT | 105 claims | 63/100 |
| 6 | 05091 | Woodstock | VT | 79 claims | 68/100 |
| 7 | 05843 | Hardwick | VT | 78 claims | 71/100 |
| 8 | 05851 | Lyndonville | VT | 73 claims | 70/100 |
| 9 | 05656 | Johnson | VT | 67 claims | 70/100 |
| 10 | 05477 | Richmond | VT | 62 claims | 84/100 |
| 11 | 05143 | Chester | VT | 60 claims | 69/100 |
| 12 | 05663 | Northfield | VT | 56 claims | 72/100 |
| 13 | 05446 | Colchester | VT | 55 claims | 84/100 |
| 14 | 05478 | Saint Albans | VT | 54 claims | 50/100 |
| 15 | 05363 | Wilmington | VT | 50 claims | 73/100 |
| 16 | 05301 | Brattleboro | VT | 49 claims | 75/100 |
| 17 | 05819 | Saint Johnsbury | VT | 46 claims | 76/100 |
| 18 | 05488 | Swanton | VT | 39 claims | 70/100 |
| 19 | 05444 | Cambridge | VT | 37 claims | 70/100 |
| 20 | 05667 | Plainfield | VT | 36 claims | 65/100 |
| 21 | 05255 | Manchester Center | VT | 34 claims | 72/100 |
| 22 | 05660 | Moretown | VT | 34 claims | 77/100 |
| 23 | 05829 | Derby | VT | 34 claims | 76/100 |
| 24 | 05474 | North Hero | VT | 33 claims | 90/100 |
| 25 | 05673 | Waitsfield | VT | 30 claims | 53/100 |
| 26 | 05468 | Milton | VT | 29 claims | 86/100 |
| 27 | 05148 | Londonderry | VT | 28 claims | 73/100 |
| 28 | 05343 | Jamaica | VT | 28 claims | 78/100 |
| 29 | 05773 | Wallingford | VT | 27 claims | 74/100 |
| 30 | 05672 | Stowe | VT | 26 claims | 47/100 |
| 31 | 05345 | Newfane | VT | 25 claims | 55/100 |
| 32 | 05738 | Cuttingsville | VT | 25 claims | 78/100 |
| 33 | 05153 | Proctorsville | VT | 24 claims | 55/100 |
| 34 | 05032 | Bethel | VT | 23 claims | 78/100 |
| 35 | 05161 | Weston | VT | 23 claims | 55/100 |
| 36 | 05201 | Bennington | VT | 22 claims | 55/100 |
| 37 | 05089 | Windsor | VT | 21 claims | 75/100 |
| 38 | 05303 | Brattleboro | VT | 21 claims | 75/100 |
| 39 | 05772 | Stockbridge | VT | 21 claims | 78/100 |
| 40 | 05765 | Proctor | VT | 20 claims | 74/100 |
| 41 | 05822 | Barton | VT | 20 claims | 64/100 |
| 42 | 05056 | Plymouth | VT | 18 claims | 51/100 |
| 43 | 05466 | Jonesville | VT | 18 claims | 65/100 |
| 44 | 05661 | Morrisville | VT | 18 claims | 72/100 |
| 45 | 05035 | Bridgewater Corners | VT | 17 claims | 55/100 |
| 46 | 05046 | Groton | VT | 17 claims | 55/100 |
| 47 | 05142 | Cavendish | VT | 17 claims | 77/100 |
| 48 | 05146 | Grafton | VT | 17 claims | 55/100 |
| 49 | 05068 | South Royalton | VT | 16 claims | 73/100 |
| 50 | 05481 | Saint Albans Bay | VT | 16 claims | 55/100 |
| 51 | 05674 | Warren | VT | 16 claims | 49/100 |
| 52 | 05680 | Wolcott | VT | 16 claims | 55/100 |
| 53 | 05747 | Granville | VT | 16 claims | 55/100 |
| 54 | 05863 | Saint Johnsbury Center | VT | 16 claims | 55/100 |
| 55 | 05464 | Jeffersonville | VT | 15 claims | 78/100 |
| 56 | 05471 | Montgomery Center | VT | 15 claims | 55/100 |
| 57 | 05748 | Hancock | VT | 15 claims | 76/100 |
| 58 | 05001 | White River Junction | VT | 14 claims | 74/100 |
| 59 | 05038 | Chelsea | VT | 14 claims | 77/100 |
| 60 | 05450 | Enosburg Falls | VT | 14 claims | 76/100 |
| 61 | 05250 | Arlington | VT | 13 claims | 78/100 |
| 62 | 05355 | Wardsboro | VT | 13 claims | 55/100 |
| 63 | 05408 | Burlington | VT | 13 claims | 86/100 |
| 64 | 05443 | Bristol | VT | 13 claims | 72/100 |
| 65 | 05462 | Huntington | VT | 13 claims | 78/100 |
| 66 | 05733 | Brandon | VT | 13 claims | 78/100 |
| 67 | 05033 | Bradford | VT | 12 claims | 69/100 |
| 68 | 05069 | South Ryegate | VT | 12 claims | 55/100 |
| 69 | 05158 | Westminster | VT | 12 claims | 74/100 |
| 70 | 05356 | West Dover | VT | 12 claims | 73/100 |
| 71 | 05486 | South Hero | VT | 12 claims | 87/100 |
| 72 | 05633 | Montpelier | VT | 12 claims | 73/100 |
| 73 | 05081 | Wells River | VT | 11 claims | 70/100 |
| 74 | 05155 | South Londonderry | VT | 11 claims | 75/100 |
| 75 | 05472 | New Haven | VT | 11 claims | 55/100 |
| 76 | 05658 | Marshfield | VT | 11 claims | 78/100 |
| 77 | 05860 | Orleans | VT | 11 claims | 74/100 |
| 78 | 05342 | Jacksonville | VT | 10 claims | 63/100 |
| 79 | 05679 | Williamstown | VT | 10 claims | 82/100 |
| 80 | 05764 | Poultney | VT | 10 claims | 83/100 |
| 81 | 05767 | Rochester | VT | 10 claims | 81/100 |
| 82 | 05777 | West Rutland | VT | 10 claims | 83/100 |
| 83 | 05859 | North Troy | VT | 10 claims | 80/100 |
| 84 | 05034 | Bridgewater | VT | 9 claims | 79/100 |
| 85 | 05489 | Underhill | VT | 9 claims | 87/100 |
| 86 | 05821 | Barnet | VT | 9 claims | 75/100 |
| 87 | 05060 | Randolph | VT | 8 claims | 79/100 |
| 88 | 05072 | Strafford | VT | 8 claims | 63/100 |
| 89 | 05257 | North Bennington | VT | 8 claims | 63/100 |
| 90 | 05340 | Bondville | VT | 8 claims | 50/100 |
| 91 | 05753 | Middlebury | VT | 8 claims | 72/100 |
| 92 | 05850 | Lyndon Center | VT | 8 claims | 63/100 |
| 93 | 05055 | Norwich | VT | 7 claims | 83/100 |
| 94 | 05150 | North Springfield | VT | 7 claims | 63/100 |
| 95 | 05440 | Alburgh | VT | 7 claims | 91/100 |
| 96 | 05473 | North Ferrisburgh | VT | 7 claims | 73/100 |
| 97 | 05476 | Richford | VT | 7 claims | 81/100 |
| 98 | 05601 | Montpelier | VT | 7 claims | 78/100 |
| 99 | 05669 | Roxbury | VT | 7 claims | 82/100 |
| 100 | 05743 | Fair Haven | VT | 7 claims | 83/100 |
Methodology
Flood risk rankings use FEMA National Flood Insurance Program (NFIP) claim data. Total claims reflect historical flood events that resulted in insured property damage. High claim counts indicate areas with recurring flood exposure, which can compromise water infrastructure, introduce contaminant runoff, and damage home systems.
Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-06-04.
Frequently Asked Questions
Why does flood history matter for home safety?
Flooding can contaminate drinking water supplies, damage water infrastructure, introduce sewage and chemical runoff, and compromise home foundations and electrical systems. Repeated flooding indicates persistent risk that affects long-term home safety.
Where does the flood data come from?
Flood claim data comes from the FEMA National Flood Insurance Program (NFIP), which tracks all insured flood losses by ZIP code. This includes claims from hurricanes, river flooding, storm surge, and heavy rainfall events.
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