Photo: Public domain · Public domainStorms, floods and disasters in Waterville
Waterville isn’t graded for hazard risk: Waterville has 680 residents; we grade towns of 1,000 or more.
What Waterville 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 Waterville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Waterville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Waterville 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.1 federal disaster brought FEMA money to Waterville
Disasters that paid out in Waterville itself (aid to households or repair grants to the Town of Waterville), newest first, with that year’s flood claims.
- 2011Severe Storms and Flooding2 households applied for aid$14K aid approved
Lamoille County has had 34 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Waterville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Waterville archive →Waterville 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 |
|---|---|---|---|
| Bakersfield | B+less damage than 72% | river and rain flooding | — |
| Fletcher | Bless damage than 60% | river and rain flooding | 8 |
| Johnson | B−less damage than 55% | river and rain flooding | 19 |
| Cambridge | C+more damage than 62% | river and rain flooding | 14 |
| Belvidere | — | 422 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 Waterville 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 Waterville
Is Waterville 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 Waterville?
FEMA’s Community Rating System list shows no discount for Waterville’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 Waterville?
By FEMA money that reached Waterville, Severe Storms and Flooding (2011): 2 households applied for aid, $14K approved.
Storm stories
Memories, warnings and help from neighbors in Waterville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Waterville’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.