Risk-assessment baseline packet (county-level sections from Addison County). Town FIPS 5000131525, Addison County. Release 2026-10, data as of 2026-09-30.
Summary
Plan status as of 2026-09-30: Approved, expires 2027-09-22. Plan: Town of Hancock, Vermont 2022 Local Hazard Mitigation Plan (FEMA plan 108463), approved 2022-09-23.
Sections B1-a, B1-b, B1-c, B1-d, B1-e, B2-a and B2-b use Addison County data (county FIPS 50001; each heading says so); the plan clock, B1-f and B2-c are for Hancock town.
Since the plan was approved on 2022-09-23: 5 new hazard declarations (4 incidents) and 88 NOAA Storm Events records (county-level); details under "What changed since your last plan".
Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Inland Flooding ($7,777,411 a year), Cold Wave ($716,975) and Hurricane ($595,242).
The packet's tables are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); the summaries below follow the same order.
What the packet contains
Sections in FEMA checklist order; each heading names the review item its tables support. Full tables are in the downloads above.
Supports FEMA checklist item B1-a Hazard identification
County-level: Addison County.
15 of the 18 National Risk Index hazards apply here.
Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: coastal flooding, tsunami and volcanic activity. That is the evidence for leaving them out of the plan.
Highest expected annual loss (NRI, modeled): Inland Flooding, Cold Wave and Hurricane.
Not covered by NRI (local data needed): dam failure (incl. upstream dams); levee failure; flash flood as its own subtype; ice jams; debris flows; erosion (riverine and coastal); land subsidence and sinkholes; expansive soils.
The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.
Supports FEMA checklist item B1-b Hazard location
County-level: Addison County.
- Avalanche, Earthquake, Hurricane, Landslide, Tornado and Wildfire vary within the county; the packet lists the highest-rated census tracts for each.
- Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather: affects the whole county; national data give no location within it.
- Inland Flooding: the FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.
Supports FEMA checklist item B1-c Hazard extent
County-level: Addison County.
Storm Events records for 11 of the 20 NOAA event-type groups mapped to the 18 hazards, with the scale, observed range and worst recorded event for each; the others say which local data are needed.
Worst recorded tornado, hail and thunderstorm wind (the three event types on record since the 1950s; the packet has every group):
- Hail: 2 in hail, 2012-07-23; same size also recorded on 1966-07-12
- Thunderstorm Wind: 80 kt (92 mph) estimated gust, Thunderstorm Wind, 2003-07-24; same speed and measurement basis also recorded on 2003-07-24
- Tornado: EF1 tornado, 2021-03-26, 0.65 mi within this county, 75 yd wide, $75,000 property; $0 crops (2021 dollars), 2 direct injuries
Supports FEMA checklist item B1-d Previous occurrences
County-level: Addison County (federal declarations, statewide declarations and Storm Events history).
Federal declarations for this area: 30 declarations covering 26 separate hazard incidents counted in this packet; each with type, dates and county Public Assistance dollars.
New since the last plan (approved 2022-09-23): DR-4810-VT, EM-3609-VT, DR-4744-VT, DR-4720-VT and EM-3595-VT.
2 statewide declarations listed separately.
Hazards with no Storm Events record and no federal declaration are stated as such (6 of 18).
Storm Events history: 814 records (notable ones in the PDF, all of them in the Excel file).
Supports FEMA checklist item B1-e Probability of future events
County-level: Addison County.
FEMA annualized frequency (modeled) for each hazard, with a descriptor from a scale defined in the packet.
- Highly likely: Hail, Inland Flooding, Lightning and Winter Weather
- Likely: Cold Wave, Heat Wave, Landslide and Strong Wind
- Possible: Avalanche, Hurricane, Ice Storm and Tornado
Historical frequency by intensity band (tornado, hail, wind): 9 bands from Storm Events.
Supports FEMA checklist item B1-f Hazards that vary across jurisdictions
Range of census tract risk scores within the area for 15 of the 18 hazards (10 tracts; rated tracts only).
1 jurisdiction: plan clock, repeat-flood count, Public Assistance dollars and event records naming the place (starting figures from federal data).
Supports FEMA checklist items B2-a and B2-b Vulnerability and potential impacts
County-level: Addison County (National Risk Index exposure and expected annual loss; since-plan counts use Hancock town's approval date).
The packet's table gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.
Storm Events damage since 2022-09-23: $2,485,000 in county-coded records (37 records); $1,785,000 reported for the zone (51 zone records). Data through 2026-06-30; nominal dollars.
Local data needed
To gather:
- Critical facilities and lifelines per hazard
- A problem statement per jurisdiction per hazard
- Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
- Future assets
- Vermont Flood Ready Atlas and Agency of Natural Resources (ANR) river corridors for town flood and erosion locations.
- The Emergency Relief and Assistance Fund (ERAF) Flood Hazard Summary gives E911 building counts in the Special Flood Hazard Area (SFHA) per town.
- Vermont Dam Inventory for dams in and upstream of the town.
- Vermont Emergency Management (VEM) hazard mitigation planning resources and the 2023 Vermont State Hazard Mitigation Plan.
Supports FEMA checklist item B2-a Vulnerability (county context)
County-level: Addison County.
Population 37,314; building value $11,124,310,582 and agriculture value $223,345,643 (total, not at risk).
National Risk Index rating Very Low; social vulnerability Very Low; community resilience Very High.
Supports FEMA checklist item B2-c Repetitive loss properties
Repetitive-loss properties (Addison County, county-level), FMA definition (44 CFR 77.2): 1 repetitive loss, 2 severe repetitive loss. NFIP insurance definition: 3 and 0.
Mitigated 0; insured 2; NFIP data as of 2026-08-02. Counts by occupancy group and for each jurisdiction are in the packet.