Flood Insurance in Vermont: Low Flood Risk, $100K Coverage
Estimated Annual Premium: $390 to $470
Estimated Monthly Premium: $30 to $40
The range reflects typical variation. Your actual premium may fall outside this range based on FEMA zone, elevation, and insurer.
What This Scenario Changes
In Vermont, your estimated annual premium is about $390 to $470, which is roughly $30 to $40 per month.
Tradeoff: With flood coverage, the selected limit changes how much flood damage the policy is modeled to pay for. Higher limits generally raise the modeled payout exposure, especially in higher risk FEMA zones.
How to interpret the range: compare this flood scenario against other risk zones and coverage limits. Focus on the parts of the range that change most, because that is where the policy payout exposure shifts the most.
- What moves this estimate: flood risk zone and coverage limit define expected flood exposure, then the estimate places your chosen limit into the modeled range. The FEMA-style label you selected is the scenario lever for flood pricing.
- Tradeoff: With flood coverage, the selected limit changes how much flood damage the policy is modeled to pay for. Higher limits generally raise the modeled payout exposure, especially in higher risk FEMA zones.
- Where this matters most: for Vermont, insurers often price around the cost to repair or replace after losses tied to winter weather exposure.
Average flood insurance in Vermont · Flood by State
How This Estimate Is Calculated
Flood estimates use state-level average premiums with multipliers for flood risk zone and coverage level. NFIP and private flood data inform risk zones. Educational estimates only.
See our how we calculate page.