Property Atlas

County hazard profile

Rutland, VT

Vermont · pop. 60,514 · FIPS 50021

Relatively Low
FEMA risk rating · RATING
Landslide
dominant hazard
$19M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Rutland $19M

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 indexRelatively Low 50.48/100
national median ~50 near the national middle (50th percentile)
Social vulnerabilityRelatively Low 23.63/100
national median ~50 among the lowest nationally
Community resilienceRelatively High 77.77/100
national median ~50 higher than 78% of counties

Recorded · NFIP flood claims RECORDED

Realized flood losses in Rutland

The National Flood Insurance Program has paid 284 flood-insurance claims totaling $4.8M in Rutland since 1978. The costliest year was 2011 ($2.9M paid).

Flood-insurance dollars paid by year of loss

1978: $3,155 paid 1980: $294 paid 1981: $77,223 paid 1982: $236 paid 1983: $8,560 paid 1984: $9,360 paid 1986: $290 paid 1987: $1,146 paid 1988: $0 paid 1989: $463 paid 1990: $0 paid 1991: $0 paid 1994: $0 paid 2000: $16,521 paid 2003: $0 paid 2006: $51,367 paid 2007: $13,136 paid 2008: $196,861 paid 2009: $78,070 paid 2010: $9,740 paid 2011: $2,925,242 paid 2012: $2,353 paid 2013: $5,366 paid 2014: $1,996 paid 2017: $47,908 paid 2018: $8,657 paid 2019: $124,861 paid 2021: $13,054 paid 2022: $35,472 paid 2023: $1,201,274 paid 2024: $0 paid 2025: $0 paid 2026: $15,896 paid 2011 · $2.9M 1978 2026
$4.8M
total paid
$17,072
average claim
$161K
largest single claim
77%
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 Rutland, VT and where it ranks among U.S. counties. It is not a verdict on whether Rutland 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.