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Coventry VT 11-01-25Photo: Ascended Dreamer · CC BY 4.0
C+Hazard risk
Natural hazards in Coventry · FEMA

More hazard damage per building is expected in Coventry than in 61% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Coventry gets a C+ for hazard risk: higher expected damage per building than 61% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 4 claims here since 2011.

River and rain flooding 92%Hurricanes 4%Earthquakes 1%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 61%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C+
in Vermont · higher than 61% of U.S. towns
Main hazard
River and rain flooding
92% of expected building damage
Flood claims
4
paid since 2011 · $321K
Flooded more than once
1
properties
Disasters paid out here
9
of 29 declared for Orleans County
By hazard

What Coventry faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

92%of expected building damage
Well above average · higher than 80% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Earthquakes Winter storms top 5% Strong wind Ice storms Lightning Tornadoes Wildfire Hail Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Coventry’s grade

River and rain flooding is 92% of the building damage FEMA expects in Coventry, and Coventry’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts.

Where Coventry sits
Coventry
Least damageMiddleMost damage

C+ higher expected damage per building than 61% of U.S. towns (21,298).

All of Coventry’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding92%Hurricanes4%Everything else4%

In dollars, FEMA expects about $465K a year in losses across Coventry: $398K to buildings, the rest to people and crops.

Shared tract.All of Coventry’s 1,100 residents (2020 census) live in one census tract, which it shares with Brownington town (1,042 residents) and Westmore town (357 residents) and Coventry CDP (111 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Coventry flood? Rarely: 4 flood claims since 2011

Every paid claim on a federal flood insurance policy in Coventry, from FEMA’s records: 8.8 per 1,000 homes, more than 72% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 1 claim2020: 0 claims2021: 0 claims2022: 0 claims2023: 2 claims2024: 0 claims2025: 0 claims2026: 0 claims201120192023
20112026
Biggest named events
  • The Vermont/New York Flooding2 claims · $130K
  • Hurricane Irene1 claim · $134K
4
paid claims since 2011
$321K
paid to owners
1
homes flooded more than once
$80K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of all homes are insured
No community discount

Coventry isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Orleans County.
What’s been done with FEMA grants
2flood-prone properties bought out and cleared
Disasters

9 federal disasters brought FEMA money to Coventry

Disasters that paid out in Coventry itself (aid to households or repair grants to the Town of Coventry), newest first, with that year’s flood claims.

  1. 2023Severe Storms, Flooding, Landslides, and Mudslides11 households applied for aid$47K aid approved$811K to the Town of Coventry for repairs2 flood claims paid that year
  2. 2019Severe Storm and Flooding$25K to the Town of Coventry for repairs1 flood claim paid that year
  3. 2013Severe Winter Storms$6K to the Town of Coventry for repairs
  4. 2011Tropical Storm Irene3 households applied for aid$14K aid approved$18K to the Town of Coventry for repairs1 flood claim paid for it, $134K
  5. 2011Severe Storms and Flooding$27K to the Town of Coventry for repairs
  6. 2004Severe Storms and Flooding$50K to the Town of Coventry for repairs
Show all 9
  1. 2002Severe Storms and Flooding$2K to the Town of Coventry for repairs
  2. 2002Severe Storms and Flooding$35K to the Town of Coventry for repairs
  3. 2001Snow$3K to the Town of Coventry for repairs
Disasters declared, by decade
Paid out in CoventryOrleans County only

Orleans County has had 29 natural disasters declared by the President since 1953, most often severe storms, then floods.

Were you here?

Old photos of Coventry after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Coventry archive →
Next door

Coventry and its neighbors

Coventry is 6th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Newport: hazard risk A−Brownington: hazard risk C+Newport: hazard risk B+Irasburg: hazard risk C+Derby: hazard risk B+NewportBrowningtonNewportIrasburgDerbyCoventry
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
NewportA−less damage than 82%river and rain flooding1
DerbyB+less damage than 72%river and rain flooding28
NewportB+less damage than 70%river and rain flooding4
IrasburgC+more damage than 59%river and rain flooding—
BrowningtonC+more damage than 61%river and rain flooding4
CoventryC+more damage than 61%river and rain flooding4

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Coventry faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Coventry

Is Coventry at risk for natural disasters?

On FEMA’s National Risk Index, Coventry has higher expected damage per building than 61% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (92%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Coventry flood?

Flood insurance has paid 4 claims in Coventry since 2011, $321K in all, or 8.8 per 1,000 homes, more than 72% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Vermont/New York Flooding (2).

Is Coventry in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Orleans County, 0.4% of all homes carry federal flood insurance.

How much is flood insurance in Coventry?

FEMA’s Community Rating System list shows no discount for Coventry’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Coventry?

By FEMA money that reached Coventry, Severe Storms, Flooding, Landslides, and Mudslides (2023): 11 households applied for aid, $47K approved, and $811K to the Town of Coventry for repairs. By flood claims, Vermont/New York Flooding: 2 paid, $130K.

Is Coventry at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (92%), and Coventry’s rate for it is higher than 80% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Coventry.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coventry’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.