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AseltineBlockEnosburgVTPhoto: Travellers & Tinkers · CC BY-SA 4.0
C+Hazard risk
Natural hazards in Enosburgh · FEMA

FEMA expects about as much hazard damage per building in Enosburgh as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Enosburgh gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #58 of 71 in Vermont. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 8 claims here since 1979.

River and rain flooding 92%Earthquakes 2%Ice storms 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

more than 58%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#58 of 71 in Vermont
Hazard risk
C+#58 of 71
in Vermont · higher than 58% of U.S. towns
Main hazard
River and rain flooding
92% of expected building damage
Flood claims
8
paid since 1979 · $91K
Disasters paid out here
11
of 27 declared for Franklin County
By hazard

What Enosburgh 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
Above average · higher than 78% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Earthquakes Ice storms Hurricanes Winter storms Strong wind Tornadoes Lightning top 4% 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 Enosburgh’s grade

River and rain flooding is 92% of the building damage FEMA expects in Enosburgh, and Enosburgh’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts. Ice storms add 2%, at a rate in the top 9% of U.S. census tracts.

Where Enosburgh sits
Enosburgh
Least damageMiddleMost damage

C+ #58 of 71 in Vermont; higher expected damage per building than 58% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding92%Everything else8%

The typical Vermont town has lower expected damage than 66% of U.S. towns; within the state, Enosburgh has more expected damage per building than 81% of Vermont towns.

In dollars, FEMA expects about $993K a year in losses across Enosburgh: $862K to buildings, the rest to people and crops.

Shared tract.All of Enosburgh’s 2,810 residents (2020 census) live in one census tract, which it shares with Berkshire town (1,547 residents) and Enosburg Falls village (1,356 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 Enosburgh flood? Rarely: 8 flood claims since 1979

Every paid claim on a federal flood insurance policy in Enosburgh, from FEMA’s records: 5.9 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 1 claim1980: 0 claims1981: 1 claim1982: 2 claims1983: 0 claims1984: 0 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 2 claims1998: 1 claim1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 1 claim2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims197919821997
19792026
8
paid claims since 1979
$91K
paid to owners
0
homes flooded more than once
$11K
average claim
of all homes are insured
No community discount

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

Insurance rates: Franklin County.
Disasters

11 federal disasters brought FEMA money to Enosburgh

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

  1. 2024Severe Winter Storm$21K to the Town of Enosburgh for repairs
  2. 2022Severe Storm and Flooding$21K to the Town of Enosburgh for repairs
  3. 2019Severe Storm and Flooding$187K to the Town of Enosburgh for repairs1 flood claim paid that year
  4. 2017Severe Storm and Flooding$7K to the Town of Enosburgh for repairs
  5. 2014Severe Storms and Flooding$7K to the Town of Enosburgh for repairs
  6. 2013Severe Winter Storms$42K to the Town of Enosburgh for repairs
Show all 11
  1. 2011Tropical Storm Irene$3K to the Town of Enosburgh for repairs
  2. 2011Severe Storms and Flooding$15K to the Town of Enosburgh for repairs
  3. 2010Severe Storm$19K to the Town of Enosburgh for repairs
  4. 2004Severe Storms and Flooding$126K to the Town of Enosburgh for repairs
  5. 2002Severe Storms and Flooding$43K to the Town of Enosburgh for repairs
Disasters declared, by decade
Paid out in EnosburghFranklin County only

Franklin County has had 27 natural disasters declared by the President since 1953, most often severe storms, then floods.

Were you here?

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

Add to the Enosburgh archive →
Next door

Enosburgh and its neighbors

Enosburgh is 6th of the 8 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Berkshire: hazard risk C+Bakersfield: hazard risk B+Montgomery: hazard risk CSheldon: hazard risk A−Enosburg Falls: hazard risk C+Richford: hazard risk CFairfield: hazard risk B+BerkshireBakersfieldMontgomerySheldonEnosburg FallsRichfordFairfieldEnosburgh
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
SheldonA−less damage than 77%river and rain flooding—
BakersfieldB+less damage than 72%river and rain flooding—
FairfieldB+less damage than 72%river and rain flooding—
BerkshireC+more damage than 58%river and rain flooding10
Enosburg FallsC+more damage than 58%river and rain flooding3
EnosburghC+more damage than 58%river and rain flooding8
MontgomeryCmore damage than 65%river and rain flooding18
RichfordCmore damage than 65%river and rain flooding—

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 Enosburgh 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 Enosburgh

Is Enosburgh at risk for natural disasters?

On FEMA’s National Risk Index, Enosburgh has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #58 of 71 in Vermont. 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 Enosburgh flood?

Flood insurance has paid 8 claims in Enosburgh since 1979, $91K in all, or 5.9 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record.

Is Enosburgh 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 Franklin County, 0.7% of all homes carry federal flood insurance.

How much is flood insurance in Enosburgh?

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

By FEMA money that reached Enosburgh, Severe Storm and Flooding (2019): $187K to the Town of Enosburgh for repairs.

Is Enosburgh at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (92%), and Enosburgh’s rate for it is higher than 78% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Enosburgh.

Town Square →
Start the conversation

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