Property Atlas

County hazard profile

Caledonia, VT

Vermont · pop. 30,211 · FIPS 50005

Very Low
FEMA risk rating · RATING
Landslide
dominant hazard
$11M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Caledonia $11M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexVery Low 30.15/100
national median ~50 lower than most counties (30th percentile)
Social vulnerabilityRelatively Low 27.8/100
national median ~50 lower than most counties (28th percentile)
Community resilienceRelatively High 70.04/100
national median ~50 near the national middle (70th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Caledonia

The National Flood Insurance Program has paid 271 flood-insurance claims totaling $6.1M in Caledonia since 1978. The costliest year was 2024 ($2.3M paid).

Flood-insurance dollars paid by year of loss

1978: $462 paid 1979: $6,234 paid 1980: $657 paid 1981: $41,775 paid 1982: $3,895 paid 1983: $1,911 paid 1984: $2,331 paid 1990: $1,068 paid 1991: $0 paid 1992: $8,632 paid 1994: $0 paid 1995: $87,602 paid 1996: $43,929 paid 1997: $4,230 paid 2000: $145,005 paid 2001: $0 paid 2002: $821,686 paid 2005: $8,847 paid 2006: $61,966 paid 2007: $15,741 paid 2008: $1,244 paid 2010: $5,306 paid 2011: $1,493,137 paid 2014: $42,404 paid 2016: $9,575 paid 2017: $3,771 paid 2018: $0 paid 2022: $8,326 paid 2023: $975,562 paid 2024: $2,347,998 paid 2026: $0 paid 2024 · $2.3M 1978 2026
$6.1M
total paid
$22,669
average claim
$300K
largest single claim
68%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Caledonia, VT and where it ranks among U.S. counties. It is not a verdict on whether Caledonia is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.