Rutland, Vermont Flood Zones
Rutland faces flooding from Otter Creek, East Creek, and Moon Brook. Tropical Storm Irene caused significant damage in the area from heavy rainfall and stream flooding.
FEMA Flood Risk Profile: Rutland County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively LowEst. annual loss: $13.4M
Hurricane Risk
Relatively LowEst. annual loss: $679K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Rutland County
Rutland County has been included in 10 federal flood-related disaster declarations.
...and 2 earlier declarations since 1973.
These declarations affected communities across Rutland County, including Rutland.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Rutland County
Properties in Rutland County have filed 283 NFIP flood insurance claims totaling $4.8M in payouts since 1978. The average claim payout is $17K.
Highest-Claim Years
2011
151 claims - $2.9M
2023
48 claims - $1.2M
2008
13 claims - $197K
Claims by Flood Zone
Zone AE
142
Zone A
74
Zone X
63
Zone AO
2
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Common Flood Zones in Rutland
Properties in Rutland, VT are commonly designated in these FEMA flood zones:
What Your Flood Zone Means in Rutland
Rutland faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Rutland are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $13.4M.
Riverine flood risk in Rutland is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Rutland address.
Check Your Rutland Address
Enter any Rutland, VT address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupRutland, VT Flood Zone FAQ
What flood zones are in Rutland, VT?
The most common FEMA flood zones in Rutland are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Rutland?
If your Rutland property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since about 25% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Rutland?
Enter your Rutland address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
What type of flooding affects Rutland?
Rutland is primarily affected by river and stream overflow during heavy rainfall. The most common FEMA flood zone designations are Zone AE, Zone X. Use the free lookup tool above to check the specific flood zone for any Rutland address.
Has Rutland experienced major flooding events?
Rutland County, where Rutland is located, has been part of 10 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storms, Flooding, Landslides, and Mudslides in 2023. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Rutland?
Rutland County has recorded 283 NFIP flood insurance claims totaling $4.8M in payouts since 1978. The year with the most claims was 2011, with 151 claims and $2.9M in payouts. These figures cover all NFIP claims in the county, including Rutland.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026