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With 12 FEMA disasters and 46.1 inches of annual rainfall, Clinton County faces elevated water damage risk.
Federal water-related disaster declarations for Clinton County — near the national average
Sustained moisture drives year-round mold risk and complicates drying efforts
Major water damage averages 33.2% of home value — a serious financial hit
Pipe freeze events spike during winter cold snaps, causing burst-pipe damage
Imagine waking up in early March to find ice forming at the eaves of your roof, then noticing water stains inside your ceiling days later. This scenario is all too common in Chazy, where the northeast coastal climate sets the stage for water damage linked to freezing conditions and coastal storms. The town experiences about 46.1 inches of precipitation annually, exceeding many parts of the United States and contributing to persistent moisture challenges year-round.
Chazy’s location along Lake Champlain’s edge exposes it to nor’easters that bring heavy rain, snow, and high winds, increasing the likelihood of roof leaks and flooding. Twelve federally recognized water-related emergencies in Clinton County, including six flood events and five hurricane-associated incidents, reflect a pattern of recurring risk rather than isolated occurrences. The most recent disaster declaration occurred in 2024, underscoring that this is a current and ongoing concern for residents.
Among the primary causes of water damage here are frozen pipes bursting during harsh winter spells, ice dams forming on roofs that force water beneath shingles, and basement flooding from rapid snowmelt combined with heavy rains. Coastal flooding adds another layer of exposure, particularly in low-lying areas susceptible to rising water levels during storms. These localized conditions mean that homeowners in Chazy face distinct water damage threats that require tailored prevention and response strategies, setting them apart from regions with milder or drier climates.
The first 60 minutes after water damage are critical. Here's exactly what to do — and what to avoid.
Shut off the main water valve if it's a pipe. If it's storm-related, move to step 2. Don't enter standing water near electrical outlets.
Turn off breakers to any room with standing water. If the breaker panel is in the flooded area, call your utility company first.
Photograph and video all damage before touching anything. Your insurance claim depends on evidence of initial conditions.
Don't wait. In Chazy's climate, mold begins colonizing within 24–48 hours. The faster pros start extraction, the lower the total cost.
Move electronics, documents, and irreplaceable items to dry areas. Lift furniture off wet carpet with aluminum foil under the legs.
Water damage spreading? A free assessment can save thousands.
Call (844) 668-2858Housing age, construction type, and plumbing infrastructure all affect water damage risk.
Older homes face aging pipes, degraded seals, and outdated water heaters — all common leak sources.
Single-family homes bear full repair costs — no shared responsibility with property management.
Mobile homes face heightened flood vulnerability — lighter construction increases water intrusion risk.
Regional foundation styles affect leak detection difficulty and restoration approach.
Chazy’s housing stock, with a median construction year around 1970, presents specific vulnerabilities to water intrusion that homeowners should weigh carefully. Many of these homes have original plumbing systems made from galvanized steel or early copper varieties that are prone to corrosion and leaks after five decades of use. Additionally, roofing materials and waterproofing techniques from that era often fall short of modern standards, increasing susceptibility to water penetration during nor’easters and ice dam formation.
Single-family homes constitute roughly 64.1% of local residences, while multi-unit buildings account for 23.7%, and mobile or manufactured homes make up about 12.3%. Multi-unit dwellings introduce complex water damage dynamics due to shared walls and plumbing stacks; a leaking pipe in one unit can quickly affect neighbors, complicating containment and repair efforts. Meanwhile, mobile homes in Chazy face particular challenges including elevated risks from foundation shifts, less robust exterior seals, and limited drainage, which can amplify flooding effects during heavy snowmelt or storms.
Older homes often exhibit signs of foundation settling, cracked supply lines, and worn window seals, all of which can serve as entry points for water. Given that many houses here are entering their sixth decade, routine inspections and timely upgrades to plumbing and roofing components are critical to mitigating water damage. The median property value of $192,147 means that deterioration not only jeopardizes structural integrity but also represents a substantial financial stake for homeowners.
With 12 FEMA water disaster declarations, Clinton County has a significant history of federally-declared water emergencies.
Clinton County, where Chazy is located, has experienced 12 federally recognized water-related emergency events, a figure that places it at the upper end of the national average for counties of similar population and geography. Of these, six were primarily flood events, while five were related to hurricanes or tropical storms, reflecting the dual threats posed by both inland water accumulation and coastal weather systems. The remaining event involved other forms of water disasters, highlighting the variety of challenges the county faces.
Since 2010, five of these emergencies have occurred, signaling an acceleration in frequency that aligns with broader regional climate trends. The most recent declaration in 2024 serves as a stark reminder that serious water threats remain an active concern for the community rather than distant history. This pattern of frequent federal disaster responses indicates that water damage is a persistent risk factor for local homeowners, infrastructure, and businesses.
Annual precipitation in the area, averaging 46 inches, exceeds typical U.S. levels and contributes to sustained moisture conditions that exacerbate flooding and seepage issues. The interplay of nor’easters and hurricane remnants further compounds vulnerability, producing intense rainfall and storm surges that test flood defenses. For residents of Chazy, this history underscores the importance of preparedness and investment in resilient building practices to mitigate the impact of inevitable future events.
Water damage spreading? A free assessment can save thousands.
Call (844) 668-2858Risk shifts throughout the year. Understanding seasonal patterns helps you prepare and respond effectively.
Chazy’s water damage risk shifts markedly with the seasons, shaped by its northeast coastal climate. The period from November through April poses the highest threat due to freezing temperatures that lead to pipe bursts, ice dams on roofs, and basement seepage from snowmelt. During these months, preventive actions such as insulating exposed pipes, installing heat cables in vulnerable areas, and ensuring proper attic ventilation to reduce ice dam formation can dramatically reduce risk.
From August through October, the focus shifts to storm-related damage. Nor’easters and remnants of tropical systems bring heavy rainfall and strong winds, which can cause roof leaks, window seal failures, and sump pump overloads. Clearing gutters, inspecting roofing for damage before the storm season, and testing sump pump functionality are practical steps to prepare for this period.
Even in the off-peak seasons of May through July, water damage hazards persist. Spring rains combined with residual snowmelt can sustain basement moisture issues, while summer’s humidity may promote mold growth if dampness goes unchecked. Regularly running dehumidifiers and maintaining proper drainage around the foundation remain important year-round in Chazy.
By aligning prevention efforts with these seasonal patterns, homeowners can allocate resources effectively. For instance, spending approximately $200 on pipe insulation in late fall may prevent thousands in repairs after a freeze. Awareness of these windows and corresponding measures equips Chazy residents to better manage water damage risks throughout the year.
Chazy has a 1.28× cost index — above national averages for restoration labor and materials.
| Damage Level | Cost Range | Timeline | Typical Cause |
|---|---|---|---|
| Minor | $1,500 – $6,400 | 1–2 days | Small leak, appliance overflow |
| Moderate | $6,400 – $19,100 | 3–5 days | Burst pipe, storm intrusion |
| Major | $19,100 – $63,800 | 1–3 weeks | Flooding, sewage, structural |
Water damage repair expenses in Chazy typically fall into three categories based on severity: minor, moderate, and major damage. Minor incidents, which may include a washing machine hose failure or a small roof leak from ice damming, generally cost between $1,500 and $6,400. Moderate damage, such as a basement flood from snowmelt or an HVAC condensation backup affecting multiple rooms, ranges from $6,400 to $19,100. Major damage, which could stem from a foundation crack allowing persistent water intrusion or a water heater rupture flooding an entire floor, can escalate from $19,100 to as high as $63,800.
Locally, these costs are about 28% higher than the national average, reflecting Chazy’s labor market and material pricing. To put these figures in perspective, a worst-case restoration consuming $63,800 would represent around 33.2% of the median home value here, which is approximately $192,147. This sizable share underscores how water damage can translate into a significant financial challenge for many residents. Comparatively, this amount also corresponds to roughly eight months of income based on the median household earnings of $95,648 in the area, illustrating the need for realistic budgeting and insurance planning.
Cost variations depend on factors such as the extent of water spread, the materials affected, and the complexity of drying and repairs. For example, a slab leak under an older Chazy home might require extensive excavation and specialized plumbing repair, pushing costs toward the higher end of the moderate range. Conversely, a dishwasher overflow confined to a kitchen could remain in the minor bracket if addressed promptly. Understanding these local cost dynamics helps homeowners make informed decisions and plan resources accordingly, avoiding surprises during what is already a stressful event.
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