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Danville VT 3-25-26aPhoto: Ascended Dreamer · CC BY-SA 4.0
A−Hazard risk
Natural hazards in Danville · FEMA

On FEMA’s figures, Danville faces less hazard damage per building than 83% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Danville gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (82%), then hurricanes (10%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 82%Hurricanes 10%Earthquakes 2%

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

less than 83%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Vermont · lower than 83% of U.S. towns
Main hazard
River and rain flooding
82% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
8
of 26 declared for Caledonia County
By hazard

What Danville 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

82%of expected building damage
Below average · lower than 62% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

10%of expected building damage
Above average · higher than 78% of U.S. census tracts
Smaller shares here
 Earthquakes Strong wind Ice storms Winter storms Tornadoes Lightning Hail Wildfire Landslides Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 13% of Danville’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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 Danville’s grade

River and rain flooding is 82% of the building damage FEMA expects in Danville, and Danville’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Winter storms add 1%, at a rate in the top 6% of U.S. census tracts.

Where Danville sits
Danville
Least damageMiddleMost damage

A− lower expected damage per building than 83% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding82%Hurricanes10%Everything else8%

In dollars, FEMA expects about $647K a year in losses across Danville: $505K to buildings, the rest to people and crops.

Shared tract.All of Danville’s 2,335 residents (2020 census) live in one census tract, which it shares with Danville CDP (385 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 Danville flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Danville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

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

Insurance rates: Caledonia County.
Disasters

8 federal disasters brought FEMA money to Danville

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

  1. 2024Severe Storms, Flooding, Landslides, and Mudslides4 households applied for aid$44K aid approved
  2. 2024Severe Storm, Flooding, Landslides, and Mudslides14 households applied for aid$30K aid approved$43K to the Town of Danville for repairs
  3. 2023Severe Storms, Flooding, Landslides, and Mudslides26 households applied for aid$63K aid approved$88K to the Town of Danville for repairs
  4. 2011Tropical Storm Irene4 households applied for aid$5K aid approved$61K to the Town of Danville for repairs
  5. 2011Severe Storms and Flooding25 households applied for aid$30K aid approved$585K to the Town of Danville for repairs
  6. 2008Severe Storms and Flooding$217K to the Town of Danville for repairs
Show all 8
  1. 2007Severe Storms and Flooding$51K to the Town of Danville for repairs
  2. 2004Severe Storms and Flooding$20K to the Town of Danville for repairs
Disasters declared, by decade
Paid out in DanvilleCaledonia County only

Caledonia County has had 26 natural disasters declared by the President since 1953, most often severe storms, then floods.

Were you here?

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

Add to the Danville archive →
Next door

Danville and its neighbors

Danville has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.

Cabot: hazard risk BSt. Johnsbury: hazard risk BPeacham: not gradedWheelock: not gradedBarnet: hazard risk BCabotSt. JohnsburyPeachamWheelockBarnetDanville
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
DanvilleA−less damage than 83%river and rain flooding0
St. JohnsburyBless damage than 62%river and rain flooding49
BarnetBless damage than 62%river and rain flooding9
CabotBless damage than 55%river and rain flooding6
Peacham—887 residents; we grade 1,000+
Wheelock—717 residents; we grade 1,000+

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 Danville 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 ↗
Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
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 Danville

Is Danville at risk for natural disasters?

On FEMA’s National Risk Index, Danville has lower expected damage per building than 83% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (82%) and hurricanes (10%). 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.

Is Danville 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 Caledonia County, 0.9% of all homes carry federal flood insurance.

How much is flood insurance in Danville?

FEMA’s Community Rating System list shows no discount for Danville’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 Danville?

By FEMA money that reached Danville, Severe Storms and Flooding (2011): 25 households applied for aid, $30K approved, and $585K to the Town of Danville for repairs.

Is Danville at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (82%), and Danville’s rate for it is lower than 62% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Danville.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Danville’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.