Gorham Covered Bridge · Photo: JERRYE & ROY KLOTZ MD · CC BY-SA 3.0More hazard damage per building is expected in Proctor than in 61% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Proctor gets a C+ for hazard risk: higher expected damage per building than 61% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 15 claims here since 1981.
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 Proctor 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.
What’s behind Proctor’s grade
River and rain flooding is 92% of the building damage FEMA expects in Proctor, and Proctor’s rate of river and rain flooding damage is higher than 80% of U.S. census tracts.
C+ higher expected damage per building than 61% of U.S. towns (21,298).
All of Proctor’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $681K a year in losses across Proctor: $546K to buildings, the rest to people and crops.
Does Proctor flood? Sometimes: 15 flood claims since 1981
Every paid claim on a federal flood insurance policy in Proctor, from FEMA’s records: 19.7 per 1,000 homes, more than 84% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene9 claims · $153K
- The Vermont/New York Flooding5 claims · $108K
Proctor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rutland County.5 federal disasters brought FEMA money to Proctor
Disasters that paid out in Proctor itself (aid to households or repair grants to the Town of Proctor), newest first, with that year’s flood claims.
- 2023Severe Storms, Flooding, Landslides, and Mudslides15 households applied for aid$21K aid approved5 flood claims paid that year
- 2019Severe Storms and Flooding$42K to the Town of Proctor for repairs
- 2011Tropical Storm Irene31 households applied for aid$49K aid approved$41K to the Town of Proctor for repairs9 flood claims paid for it, $153K
- 2001Snow$4K to the Town of Proctor for repairs
- 2000Severe Storms and Flooding$6K to the Town of Proctor for repairs
Rutland County has had 19 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Proctor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Proctor archive →Proctor and its neighbors
Proctor is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Rutland | A+less damage than 96% | river and rain flooding | 7 |
| West Rutland | B+less damage than 75% | river and rain flooding | 6 |
| Pittsford | B+less damage than 71% | river and rain flooding | 3 |
| Proctor | C+more damage than 61% | river and rain flooding | 15 |
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 Proctor 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 Proctor
Is Proctor at risk for natural disasters?
On FEMA’s National Risk Index, Proctor has higher expected damage per building than 61% of U.S. towns: C+ for hazard risk. 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 Proctor flood?
Flood insurance has paid 15 claims in Proctor since 1981, $267K in all, or 19.7 per 1,000 homes, more than 84% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (9).
Is Proctor 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 Rutland County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Proctor?
FEMA’s Community Rating System list shows no discount for Proctor’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 Proctor?
By FEMA money that reached Proctor, Tropical Storm Irene (2011): 31 households applied for aid, $49K approved, and $41K to the Town of Proctor for repairs. By flood claims, Hurricane Irene: 9 paid, $153K.
Is Proctor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Proctor’s rate for it is higher than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Proctor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Proctor’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.