Guest, Sign inJoin

Post to Underhill Center

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
Underhill Center, VT 05490Photo: Shannon McGee · CC BY-SA 2.0
–Not graded
Natural hazards in Underhill Center · FEMA

Storms, floods and disasters in Underhill Center

Underhill Center isn’t graded for hazard risk: Underhill Center has 40 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
0
of 29 declared for Chittenden County
By hazard

What Underhill Center 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 66% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Earthquakes Hurricanes Strong wind Ice storms Tornadoes Winter storms Landslides top 2% Lightning Hail Wildfire Cold waves Heat waves Avalanches top 1%
FEMA models no building damage here
Coastal floodingTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 19% of Underhill Center’s expected losses. Avalanches do little damage to buildings (0.0%), so they aren’t part of the grade.

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.
Flood insurance claims

Does Underhill Center flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Underhill Center. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Chittenden County.
Disasters

The storms Underhill Center remembers

None of the 29 disasters declared for Chittenden County shows FEMA aid or repair money reaching Underhill Center itself in FEMA’s records, so these are its biggest flood-claim years.

Disasters declared, by decade
Paid out in Underhill CenterChittenden County only

Chittenden County has had 29 natural disasters declared by the President since 1953, most often severe storms, then floods.

Be ready

Get ready for what Underhill Center 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 Underhill Center

Is Underhill Center 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 Chittenden County, 35% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.

How much is flood insurance in Underhill Center?

FEMA’s Community Rating System list shows no discount for Underhill Center’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Underhill Center.

Town Square →
Start the conversation

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