Storms, floods and disasters in Elmore
Elmore isn’t graded for hazard risk: Elmore has 964 residents; we grade towns of 1,000 or more. Flood insurance has paid 11 claims here since 1995.
What Elmore 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
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.
Does Elmore flood? Sometimes: 11 flood claims since 1995
Every paid claim on a federal flood insurance policy in Elmore, from FEMA’s records.
- The Vermont/New York Flooding4 claims · $93K
- Hurricane Irene2 claims · $38K
Elmore 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.8 federal disasters brought FEMA money to Elmore
Disasters that paid out in Elmore itself (aid to households or repair grants to the Town of Elmore), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding$32K to the Town of Elmore for repairs
- 2024Severe Storm, Flooding, Landslides, and Mudslides4 households applied for aid$17K aid approved$274K to the Town of Elmore for repairs
- 2023Severe Storms, Flooding, Landslides, and Mudslides9 households applied for aid$56K aid approved$146K to the Town of Elmore for repairs4 flood claims paid that year
- 2019Severe Storm and Flooding$44K to the Town of Elmore for repairs
- 2011Tropical Storm Irene$46K to the Town of Elmore for repairs2 flood claims paid for it, $38K
- 2010Severe Storm$2K to the Town of Elmore for repairs
Show all 8
- 2002Severe Storms and Flooding$28K to the Town of Elmore for repairs
- 2001Snow$2K to the Town of Elmore for repairs
Lamoille County has had 34 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Elmore after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Elmore archive →Elmore and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Morristown | A−less damage than 83% | river and rain flooding | 8 |
| Calais | A−less damage than 78% | river and rain flooding | 3 |
| Wolcott | C+more damage than 57% | river and rain flooding | 12 |
| Hardwick | C+more damage than 64% | river and rain flooding | 60 |
| Woodbury | — | 659 residents; we grade 1,000+ | |
| Worcester | — | 831 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.
Get ready for what Elmore faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Elmore
Does Elmore flood?
Flood insurance has paid 11 claims in Elmore since 1995, $219K in all. The most claims came from Vermont/New York Flooding (4).
Is Elmore 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 Elmore?
FEMA’s Community Rating System list shows no discount for Elmore’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 Elmore?
By FEMA money that reached Elmore, Severe Storm, Flooding, Landslides, and Mudslides (2024): 4 households applied for aid, $17K approved, and $274K to the Town of Elmore for repairs. By flood claims, Vermont/New York Flooding: 4 paid, $93K.
Storm stories
Memories, warnings and help from neighbors in Elmore.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Elmore’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.