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Flood insurance rates in Vermont depend on where you reside and your risk factors, including your ground elevation, foundation type, construction type and more.

Usually, renters or homeowners insurance doesn’t cover damages caused by natural flooding. Every property is vulnerable to flooding, but you should check your local flood map to see if your household is at risk.

Even if your area is low-risk, flood insurance can prevent unexpected expensive repair costs due to flood-related damage since the Federal Emergency Management Agency (FEMA) estimates that an inch of water can cause up to $25,000 in damage.

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The average cost of flood insurance in Vermont is higher than the national average.

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Washington County has the most expensive rates in Vermont, while Grand Isle County has the lowest flood insurance premiums in the state.

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Washington County has experienced the most flooding events in Vermont since 1996.

Average Cost of Flood Insurance in Vermont

The average flood insurance cost in Vermont is $1,639 per year. Rates can change depending on your location and the individual property risks that you may have. If you live in a flood-prone area, you may pay more for insurance than someone in a lower-risk location.

Average Cost of Flood Insurance by County in Vermont

Compared to the national average cost for flood insurance, Vermont residents pay roughly $872 more. This is because Vermont may have more high-risk flood zones than other states.

MoneyGeek discovered that Grand Isle County offers the most affordable premiums in the state, at around $811 yearly. Washington County is the most expensive, costing roughly $2,447 annually.

The table below shows how much flood insurance costs in Vermont by county.

Vermont Flood Insurance Cost Per County
Average Cost





























Companies That Offer Flood Insurance in Vermont

Vermont residents can purchase flood insurance from a private provider or the NFIP. Private insurance companies have a standard policy similar to the NFIP coverage or an excess policy. Excess policy supplements your base policy.

Choosing a private insurance provider best suits households that live outside an NFIP community or that need more coverage than an NFIP policy provides.

Private Flood Insurance Providers in VT and Their Contact Numbers

Neptune Flood


Aon Private Flood


Hiscox - FloodPlus


FloodSimple Insurance Services




Zurich Insurance Group


Swiss Re


Berkshire Hathaway


Private Market Flood


The NFIP partners with various insurance companies in Vermont that provide flood coverage for homeowners. MoneyGeek made a list of NFIP-participating insurance providers and their contact numbers for your convenience.

NFIP-Participating Flood Insurance Providers in State and Their Contact Numbers

Allstate Insurance Company

(800) 527-2634

American Nat. Prop. & Casualty

(417) 887-4990

American Strategic Ins. Corp.

(866) 274-8765


(800) 423-4403

Concord Group Insurance

Refer to the Agent locator

Farm Family Casualty

(518) 431-5000

Farmers Insurance Group

(866) 865-2965

Hartford Fire Insurance Co.

(860) 547-7440

Hartford Underwriters Ins. Co.

(800) 296-7542

Homesite Insurance Company

(800) 466-3748

Liberty Mutual Fire Insurance Company

(800) 283-6033

National General Insurance Co

(800) 462-2123

NFIP Direct Servicing Agent

(800) 638-6620

NGM Insurance Company

(603) 352-4000

Occidental Fire & Casualty

(800) 780-8423

Pacific Specialty Insurance Company


Philadelphia Indemnity Ins. Co

(877) 672-7945 ext. 8295

Privilege Underwriters

(888) 813-7873

QBE Insurance Corporation

(877) 372-3996

Union Mutual Fire Ins. Co.

(800) 300-5261

USAA General Indemnity Company

(210) 531-USAA (8722)

Westfield Insurance Company

(800) 243-0210

Wright National Flood Ins. Co.

(866) 373-5663

How to Purchase Flood Insurance and Its Coverage Requirements

Generally, it’s easy to purchase flood insurance in Vermont since there are no special requirements. Contact the NFIP Hotline at 877-336-2627 or your home insurance agent to begin the process.

Since the NFIP has a 30-day waiting period, MoneyGeek recommends buying your flood insurance policy immediately. However, several private insurance companies have a 10-day waiting period. It’s best to reach out to your agent to confirm.

What Does Flood Insurance Cover in Vermont?

Flood insurance generally covers your building or home against damages, including its contents. Remember that you could face $25,000 in flood damages with just an inch of water.

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Flood insurance covers damages from natural calamities and events, not artificial floods like leaking pipes or faulty drainage.

Standard flood insurance doesn’t cover vehicle flooding, patios, landscaped gardens, pools, basement items or cash.

Flood Insurance Building Coverage

Building coverage helps you save from costly repairs to your building. It’s part of your basic standard flood insurance policy and includes physical aspects of your home like:

  • Foundation walls
  • Electrical systems
  • Plumbing systems
  • Furnaces, central heating and air conditioning
  • Built-in appliances
  • Permanent carpets
  • Built-in furniture

With an NFIP policy, you can buy up to a maximum of $250,000 worth of coverage.

Flood Insurance Contents Coverage

On the other hand, contents coverage is also part of your flood insurance and protects items like:

  • Furniture
  • Clothing
  • Electronic equipment
  • Artworks
  • Large appliances like washers and dryers.

NFIP policyholders can obtain a maximum of $100,000 worth of coverage.

Factors That Affect Flood Insurance Costs in Vermont

Up until October 2021, insurance companies used your location as the basis to determine the cost of flood insurance. FEMA has interactive maps that help you check the historical flood risk of U.S. counties for each state.

Based on FEMA’s data about Vermont’s flooding events since 1996, Washington County has the most flood occurrences at 68. Grand Isle County has the fewest occurrences at 25. The average annual cost of flood insurance in these counties is $2,447 and $811, respectively.

Risk Rating 2.0

In October 2021, FEMA introduced a risk rating system called Risk Rating 2.0. It reviews individual property risks like dwelling structure, elevation, frequency of flooding, foundation type, replacement and repair costs and proximity to water.

This system gives a more informative and detailed premium computation, but your premiums are greatly affected by where you reside. MoneyGeek shares some of the flood insurance cost factors below.

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    Flood Risk

    This refers to the location of your building as it relates to flood-prone areas. Risk Rating 2.0 checks individual factors and precisely determines your location. As a result, you may get a different rate than your neighbor.

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    Coverage Type

    Coverage type influences your rate. More comprehensive coverage means more will be added to your premium, but you will also pay more. Your county also affects your coverage.

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    Higher deductibles mean cheaper premiums. But you’ll shoulder the amount when you file a claim since this is how much you’ll pay out of pocket. Deductibles range from $1,000 up to $10,000.

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    Age of Structure

    Insurance providers assess the age of the structure. Older structures mean more expensive premiums.

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    Structure Design

    Building materials and structural design affect the cost of your flood insurance premium. If the structure is poorly built, insurers might charge you more.

Do You Need Flood Insurance in Vermont?

Homeowners and renters insurance generally doesn’t include flood insurance. Since every building is susceptible to flooding, getting flood insurance is wise because it will protect you regardless of your location’s risk level.

Nevertheless, homeowners with government-backed mortgages residing in high-risk flood areas must get flood insurance.

With private flood insurance, insurers must pay claims if your property gets flooded, even if there’s no presidential disaster declaration. Usually, a federal disaster assistance grant is limited to $5,000 per household. Flood repair costs could be more than that.

Getting flood insurance offers peace of mind and provides protection for your home.

Frequently Asked Questions About Vermont Flood Insurance

Getting flood insurance and determining costs can be overwhelming. MoneyGeek has answered some frequently asked questions to help you with your research.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.