Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Vermont
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Vermont ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Chittenden County | $570 | Relatively Low | $404,500 |
| 2 | Franklin County | $671 | Very Low | $285,500 |
| 3 | Rutland County | $733 | Relatively Low | $218,400 |
| 4 | Addison County | $771 | Very Low | $333,700 |
| 5 | Caledonia County | $835 | Very Low | $215,900 |
| 6 | Washington County | $873 | Relatively Low | $293,900 |
| 7 | Orange County | $875 | Very Low | $251,000 |
| 8 | Lamoille County | $926 | Very Low | $285,200 |
| 9 | Orleans County | $1,006 | Very Low | $213,300 |
| 10 | Windsor County | $1,011 | Relatively Low | $267,400 |
| 11 | Windham County | $1,034 | Relatively Low | $265,100 |
| 12 | Essex County | $1,156 | Very Low | $167,500 |
| 13 | Bennington County | $1,284 | Relatively Low | $257,400 |
| 14 | Grand Isle County | $1,287 | Very Low | $363,500 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Vermont