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Eden Vermont Town ClerkPhoto: Jessamyn · CC BY-SA 4.0
B−Hazard risk
Natural hazards in Eden · FEMA

On FEMA’s figures, Eden faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Eden gets a B− for hazard risk: lower expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (91%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 91%Hurricanes 4%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 53%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B−
in Vermont · lower than 53% of U.S. towns
Main hazard
River and rain flooding
91% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
10
of 34 declared for Lamoille County
By hazard

What Eden 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

91%of expected building damage
Above average · higher than 71% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Earthquakes Strong wind Winter storms top 5% Ice storms Lightning Tornadoes Wildfire Landslides top 4% Hail Cold waves Heat waves Avalanches top 1%
FEMA models no building damage here
Coastal floodingTsunamisVolcanic 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 Eden’s grade

River and rain flooding is 91% of the building damage FEMA expects in Eden, and Eden’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Winter storms add 1%, at a rate in the top 5% of U.S. census tracts.

Where Eden sits
Eden
Least damageMiddleMost damage

B− lower expected damage per building than 53% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding91%Hurricanes4%Everything else6%

In dollars, FEMA expects about $411K a year in losses across Eden: $338K to buildings, the rest to people and crops.

Shared tract.All of Eden’s 1,338 residents (2020 census) live in one census tract, which it shares with Waterville town (686 residents) and Belvidere town (358 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 Eden flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Eden. 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

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

Insurance rates: Lamoille County.
Disasters

10 federal disasters brought FEMA money to Eden

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

  1. 2023Severe Storms, Flooding, Landslides, and Mudslides3 households applied for aid$19K aid approved$35K to the Town of Eden for repairs
  2. 2019Severe Storm and Flooding$1.3M to the Town of Eden for repairs
  3. 2013Severe Winter Storms$31K to the Town of Eden for repairs
  4. 2013Severe Storms and Flooding$7K to the Town of Eden for repairs
  5. 2012Severe Storm, Tornado, and Flooding$26K to the Town of Eden for repairs
  6. 2011Severe Storms and Flooding$66K to the Town of Eden for repairs
Show all 10
  1. 2008Severe Storms and Flooding$79K to the Town of Eden for repairs
  2. 2002Severe Storms and Flooding$8K to the Town of Eden for repairs
  3. 2001Snow$2K to the Town of Eden for repairs
  4. 1999Tropical Storm Floyd$5K to the Town of Eden for repairs
Disasters declared, by decade
Paid out in EdenLamoille County only

Lamoille County has had 34 natural disasters declared by the President since 1953, most often severe storms, then floods.

Were you here?

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

Add to the Eden archive →
Next door

Eden and its neighbors

Eden is 3rd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Lowell: not gradedJohnson: hazard risk B−Craftsbury: hazard risk C+Hyde Park: hazard risk A−Belvidere: not gradedAlbany: not gradedMontgomery: hazard risk CLowellJohnsonCraftsburyHyde ParkBelvidereAlbanyMontgomeryEden
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Hyde ParkA−less damage than 84%river and rain flooding2
JohnsonB−less damage than 55%river and rain flooding19
EdenB−less damage than 53%river and rain flooding0
CraftsburyC+more damage than 59%river and rain flooding—
MontgomeryCmore damage than 65%river and rain flooding18
Lowell—not graded yet
Belvidere—422 residents; we grade 1,000+
Albany—934 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 Eden 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 Eden

Is Eden at risk for natural disasters?

On FEMA’s National Risk Index, Eden has lower expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (91%). 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 Eden 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 Lamoille County, 1.1% of all homes carry federal flood insurance.

How much is flood insurance in Eden?

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

By FEMA money that reached Eden, Severe Storm and Flooding (2019): $1.3M to the Town of Eden for repairs.

Is Eden at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (91%), and Eden’s rate for it is higher than 71% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Eden.

Town Square →
Start the conversation

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