Flood history · Ludlow, VT 05149
Flood insurance claims in Ludlow, VT 05149
105 claims since 1981 and $7.2 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 05149 since 1978.
What the record says
84% of claims were on properties in high-risk zones and 16% outside them.
One event dominates the record: Hurricane Irene accounts for 46% of all claims in this ZIP code.
Flooding here is recent: 51 claims (49%) were in the last 10 years.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Irene | 2011 | 48 | 46% |
| Vermont/New York Flooding | 2023 | 42 | 40% |
| December Nor'easter | 2023 | 3 | 3% |
| Hurricane Debby | 2024 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Windsor County
Flood, hurricane and storm declarations since 2000.
16 flood, storm or hurricane declarations for Windsor County since 2000.
Check a specific address in Ludlow.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.