Photo: Ascended Dreamer · CC BY-SA 4.0FEMA puts Morrisville’s expected hazard damage per building below that of 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Morrisville 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 (86%). Flood insurance has paid 5 claims here since 1980.
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
What stands out about Morrisville’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Morrisville 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
Hurricanes
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.
What’s behind Morrisville’s grade
River and rain flooding is 86% of the building damage FEMA expects in Morrisville, and Morrisville’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts. Winter storms add 2%, at a rate in the top 5% of U.S. census tracts.
A− lower expected damage per building than 83% of U.S. towns (21,298).
All of Morrisville’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $649K a year in losses across Morrisville: $534K to buildings, the rest to people and crops.
Does Morrisville flood? Rarely: 5 flood claims since 1980
Every paid claim on a federal flood insurance policy in Morrisville, from FEMA’s records: 3.5 per 1,000 homes, more than 52% of the 13,809 U.S. towns with a flood insurance record.
Morrisville 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.5 federal disasters brought FEMA money to Morrisville
Disasters that paid out in Morrisville itself (aid to households or repair grants to the Village of Morrisville), newest first, with that year’s flood claims.
- 2024Severe Storm, Flooding, Landslides, and Mudslides9 households applied for aid$9K aid approved
- 2023Severe Storms, Flooding, Landslides, and Mudslides43 households applied for aid$132K aid approved
- 2011Severe Storms and Flooding3 households applied for aid$1K aid approved
- 2010Severe Storm$15K to the Village of Morrisville for repairs
- 2007Severe Storms and Flooding$5K to the Village of Morrisville for repairs
Lamoille County has had 34 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Morrisville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Morrisville archive →Get ready for what Morrisville 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.
- 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.
- 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 Morrisville
Is Morrisville at risk for natural disasters?
On FEMA’s National Risk Index, Morrisville 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 (86%) and hurricanes (5%). 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 Morrisville flood?
Flood insurance has paid 5 claims in Morrisville since 1980, $27K in all, or 3.5 per 1,000 homes, more than 52% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Morrisville 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 Morrisville?
FEMA’s Community Rating System list shows no discount for Morrisville’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 Morrisville?
By FEMA money that reached Morrisville, Severe Storms, Flooding, Landslides, and Mudslides (2023): 43 households applied for aid, $132K approved.
Is Morrisville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Morrisville’s rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Morrisville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Morrisville’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.