Vermont
Opinion — Michael Gaughan and Katy Hansen: Vermont needs to get on the road to risk reduction
This commentary is by Michael Gaughan, the executive director of the Vermont Bond Bank, and Katy Hansen, the director of the Rural and Small Cities Program at the Public Finance Initiative.
Vermont municipalities face a stark reality. The federal support that communities have relied on after disasters may be dramatically reduced in future years. The public will soon see the FEMA Review Council report, which is expected to recommend shifting more disaster response costs to states while also raising the dollar threshold for what qualifies as a federal disaster. Vermont is already confronting this reality with the recent denial of the July 2025 disaster declaration and the related on-again off-again funding for core infrastructure resilience programs.
For a state that has experienced over $240 million in FEMA related municipal damages from flooding in the past three years, the potential reduction in federal support threatens the fiscal and physical structures that undergird our communities. This is a staggering number, representing more than 30% of the Vermont Bond Bank’s current municipal loans, which obscures the threat to individual towns where disaster costs can be overwhelming. Take, for instance, towns such as Lyndon, where an estimated $18 million in damages occurred in 2024, roughly six times the town’s highway budget.
READ MORE

But this moment of uncertainty is an opportunity for Vermont to take matters into its own hands. Recently, the Bond Bank was selected to participate in the Public Finance Initiative’s Rural and Small Cities program, funded by the Robert Wood Johnson Foundation, to receive capacity building and educational support to develop clear guidance alongside our loan programs for communities to reduce the risks caused by extreme weather to their infrastructure. This builds on the Bond Bank’s decades of experience lending to local government and addressing challenges of infrastructure planning and finance. Our team of experts organized stakeholders from across the state to discuss how to spur action while coordinating resources.
As others have noted and the FEMA report is anticipated to make clear, we must take responsibility ourselves and change practices to save Vermont from the inevitable. Thankfully, regional and statewide partners are making progress in developing the tools and know-how to respond to our collective flood risk.
The convening helped the Bond Bank to highlight the largest potential contributor to post-disaster fiscal stress for our municipalities — our municipal roads. This network connects us to families, jobs, schools, grocery stores and hospitals, and is where more than 80% of municipal flood damage has occurred over the last 20 years.
The Bond Bank’s goal is to use its understanding of public finance best practices and the helpful tools from partners like the Vermont League of Cities and Towns (VLCT) to drive the development of more capital plans and financial benchmarks that incorporate technical analyses from regional and state partners. Simple at its face, the effort is interdisciplinary and complex in practice. The convening was important to help the Bond Bank develop guidance and spur implementation. The Bond Bank aims to coordinate low-cost financing sources and expand the Municipal Climate Recovery Fund (MCRF) to help communities when disaster strikes. The intent is to turn the recovery cycle on its head: align existing resources to reduce risk before disasters strike and plan for more post-disaster relief.
The MCRF, established in partnership with the State and Treasurer’s Office, has already demonstrated its value. Since launching after the July 2023 floods, it has provided $33 million in loans at just 1.3% interest to 27 Vermont towns, offering seven-year terms with two years interest-only to give communities breathing room as they await potential federal reimbursement. This isn’t flashy, but the point is its practical value. For example, Lyndon received $4 million in MCRF loans that gave them space to deal with critical, immediate needs and time to sort through what the federal government would support.
With engagement from the partners at the convening, an expanded MCRF program, when combined with the capacity of our Vermont banks, would help address our vulnerable road infrastructure by aligning incentives for communities to plan, design and invest in improvements, and if disaster strikes, ensuring that communities can access resources through loans and adaptation grants to build back in the right way.
This approach demands a shift in thinking. It means partners like the Bond Bank need to do everything we can to reduce costs for borrowers while also giving direction on how to take the first step in the financial trade-offs of implementing resilience projects. While this is hard work, it’s also empowering. Instead of waiting for federal aid that might never come, Vermont communities can reduce risk before disasters strike and build resilience on their own.
Vermont
VT Lottery Mega Millions, Gimme 5 results for April 21, 2026
Powerball, Mega Millions jackpots: What to know in case you win
Here’s what to know in case you win the Powerball or Mega Millions jackpot.
Just the FAQs, USA TODAY
The Vermont Lottery offers several draw games for those willing to make a bet to win big.
Those who want to play can enter the MegaBucks and Lucky for Life games as well as the national Powerball and Mega Millions games. Vermont also partners with New Hampshire and Maine for the Tri-State Lottery, which includes the Mega Bucks, Gimme 5 as well as the Pick 3 and Pick 4.
Drawings are held at regular days and times, check the end of this story to see the schedule.
Here’s a look at April 21, 2026, results for each game:
Winning Vermont Mega Millions numbers from April 21 drawing
01-36-43-56-58, Mega Ball: 07
Check Vermont Mega Millions payouts and previous drawings here.
Winning Gimme 5 numbers from April 21 drawing
02-05-06-18-22
Check Gimme 5 payouts and previous drawings here.
Winning Pick 3 numbers from April 21 drawing
Day: 1-9-8
Evening: 6-4-9
Check Pick 3 payouts and previous drawings here.
Winning Pick 4 numbers from April 21 drawing
Day: 2-7-2-6
Evening: 8-4-4-2
Check Pick 4 payouts and previous drawings here.
Feeling lucky? Explore the latest lottery news & results
Are you a winner? Here’s how to claim your lottery prize
For Vermont Lottery prizes up to $499, winners can claim their prize at any authorized Vermont Lottery retailer or at the Vermont Lottery Headquarters by presenting the signed winning ticket for validation. Prizes between $500 and $5,000 can be claimed at any M&T Bank location in Vermont during the Vermont Lottery Office’s business hours, which are 8a.m.-4p.m. Monday through Friday, except state holidays.
For prizes over $5,000, claims must be made in person at the Vermont Lottery headquarters. In addition to signing your ticket, you will need to bring a government-issued photo ID, and a completed claim form.
All prize claims must be submitted within one year of the drawing date. For more information on prize claims or to download a Vermont Lottery Claim Form, visit the Vermont Lottery’s FAQ page or contact their customer service line at (802) 479-5686.
Vermont Lottery Headquarters
1311 US Route 302, Suite 100
Barre, VT
05641
When are the Vermont Lottery drawings held?
- Powerball: 10:59 p.m. Monday, Wednesday, and Saturday.
- Mega Millions: 11 p.m. Tuesday and Friday.
- Gimme 5: 6:55 p.m. Monday through Friday.
- Lucky for Life: 10:38 p.m. daily.
- Pick 3 Day: 1:10 p.m. daily.
- Pick 4 Day: 1:10 p.m. daily.
- Pick 3 Evening: 6:55 p.m. daily.
- Pick 4 Evening: 6:55 p.m. daily.
- Megabucks: 7:59 p.m. Monday, Wednesday and Saturday.
- Millionaire for Life: 11:15 p.m. daily
What is Vermont Lottery Second Chance?
Vermont’s 2nd Chance lottery lets players enter eligible non-winning instant scratch tickets into a drawing to win cash and/or other prizes. Players must register through the state’s official Lottery website or app. The drawings are held quarterly or are part of an additional promotion, and are done at Pollard Banknote Limited in Winnipeg, MB, Canada.
This results page was generated automatically using information from TinBu and a template written and reviewed by a Vermont editor. You can send feedback using this form.
Vermont
7 Prettiest Small Towns In Vermont
Vermont’s small towns deliver postcard scenery in every season, and you don’t have to travel far to find one. Stowe has gondola rides at Stowe Mountain Resort and paddleboarding at the Waterbury Reservoir. Montpelier, the state capital, fits a statehouse, a walkable downtown, and a hilltop park into a population of just over 8,000. Richmond anchors the Winooski River valley around an unusual 16-sided church. Seven towns stand out as Vermont’s prettiest.
Bennington
Often cited as the first town chartered in what became Vermont (1749), Bennington pairs a red-brick downtown with the hills of the Green Mountain region in southern Vermont. Streets fan out from the Bennington Battle Monument, a 306-foot stone obelisk that marks a pivotal Revolutionary War engagement. Covered bridges and Victorian architecture like the Park-McCullough House give the town visual range across the year. Bennington is best known for its autumn colors, but winter brings snow-dusted pines and a quieter version of the same scenery.
Montpelier
Montpelier is Vermont’s capital but also the least populous state capital in the country, with just over 8,000 residents. That scale is the point. The Greek Revival State House sits at the edge of a compact downtown of locally owned businesses, and Hubbard Park climbs the hill behind the capitol with trails for hiking and cross-country skiing. Montpelier is also the only U.S. state capital without a McDonald’s. The Winooski River runs through town, and you can walk from a statehouse tour to a riverbank bench in about ten minutes.
Richmond
Vermont gets most of its attention in autumn, and Richmond is no exception, but the town is arguably better in winter. Cochran’s Ski Area, a small family-run hill just outside downtown, has been a community fixture since 1961 and still runs on affordable lift tickets. The Winooski River bisects Richmond, and the surrounding trail network turns quiet and cinematic under snow. The town’s signature building is the Old Round Church, which despite the name is a 16-sided meetinghouse from 1812.
Stowe
If any Vermont town has a reputation for winter, it’s Stowe. Stowe Mountain Resort is the state’s most famous ski destination, and the gondola runs year-round for aerial views of Mount Mansfield and the Green Mountains. In warmer months, the Stowe Pinnacle trail climbs to one of the most photographed viewpoints in the state, with the summit sitting at roughly 2,660 feet above sea level. The village has a small but active art scene, with galleries along Main Street showing regional painters and craftspeople alongside traveling exhibitions.
Waitsfield
Waitsfield sits along Scenic Route 100 in the Mad River Valley and bills itself as a year-round outdoor destination. Sugarbush Resort, just down the road, is the draw in winter, with skiing and snowboarding on Lincoln Peak and Mount Ellen. The trail network is just as active in summer for hiking and mountain biking. The town itself keeps things low-key: a covered bridge on Bridge Street, a few restaurants along Route 100, and the Mad River running through the middle of it all.
Wilmington
Route 9 through southern Vermont, also known as the Molly Stark Scenic Byway, runs straight through Wilmington in the heart of the Green Mountain National Forest. The Hogback Mountain Conservation Area nearby covers roughly 600 acres of protected land with wide views across southern Vermont. Mount Snow handles most of the local skiing and has an active summer mountain-biking program. The best-known spot in town is Dot’s Restaurant, a diner that was washed out by Tropical Storm Irene in 2011 and rebuilt with community funding. It reopened in 2014 and still serves the same blueberry pancakes.
Woodstock
Woodstock plays the same showpiece role for central Vermont that Bennington plays for the south. The Federal-era downtown wraps around a town green, and the Middle Covered Bridge carries foot and vehicle traffic over the Ottauquechee River right at the edge of it. Billings Farm & Museum operates as a working Jersey dairy and runs seasonal demonstrations of traditional farm work, including sheep shearing and plowing with draft horses. Just up the road, the Marsh-Billings-Rockefeller National Historical Park is the only national park dedicated to conservation history.
Vermont’s Prettiest Small Towns Reward A Slow Visit
For scenic small towns, Vermont covers a lot of ground. The seven above offer historic architecture, mountain access, and enough variation in season and setting to make repeat visits worthwhile. Drive between them on Route 100 or Route 9 and you’ll pass a dozen more that could just as easily have made the list.
Vermont
VT Lottery Powerball, Gimme 5 results for April 20, 2026
Powerball, Mega Millions jackpots: What to know in case you win
Here’s what to know in case you win the Powerball or Mega Millions jackpot.
Just the FAQs, USA TODAY
The Vermont Lottery offers several draw games for those willing to make a bet to win big.
Those who want to play can enter the MegaBucks and Lucky for Life games as well as the national Powerball and Mega Millions games. Vermont also partners with New Hampshire and Maine for the Tri-State Lottery, which includes the Mega Bucks, Gimme 5 as well as the Pick 3 and Pick 4.
Drawings are held at regular days and times, check the end of this story to see the schedule.
Here’s a look at April 20, 2026, results for each game:
Winning Powerball numbers from April 20 drawing
09-17-36-47-64, Powerball: 26, Power Play: 3
Check Powerball payouts and previous drawings here.
Winning Gimme 5 numbers from April 20 drawing
16-17-25-33-36
Check Gimme 5 payouts and previous drawings here.
Winning Pick 3 numbers from April 20 drawing
Day: 0-5-8
Evening: 6-1-9
Check Pick 3 payouts and previous drawings here.
Winning Pick 4 numbers from April 20 drawing
Day: 7-8-3-4
Evening: 0-0-4-9
Check Pick 4 payouts and previous drawings here.
Winning Megabucks Plus numbers from April 20 drawing
04-11-23-32-41, Megaball: 04
Check Megabucks Plus payouts and previous drawings here.
Feeling lucky? Explore the latest lottery news & results
Are you a winner? Here’s how to claim your lottery prize
For Vermont Lottery prizes up to $499, winners can claim their prize at any authorized Vermont Lottery retailer or at the Vermont Lottery Headquarters by presenting the signed winning ticket for validation. Prizes between $500 and $5,000 can be claimed at any M&T Bank location in Vermont during the Vermont Lottery Office’s business hours, which are 8a.m.-4p.m. Monday through Friday, except state holidays.
For prizes over $5,000, claims must be made in person at the Vermont Lottery headquarters. In addition to signing your ticket, you will need to bring a government-issued photo ID, and a completed claim form.
All prize claims must be submitted within one year of the drawing date. For more information on prize claims or to download a Vermont Lottery Claim Form, visit the Vermont Lottery’s FAQ page or contact their customer service line at (802) 479-5686.
Vermont Lottery Headquarters
1311 US Route 302, Suite 100
Barre, VT
05641
When are the Vermont Lottery drawings held?
- Powerball: 10:59 p.m. Monday, Wednesday, and Saturday.
- Mega Millions: 11 p.m. Tuesday and Friday.
- Gimme 5: 6:55 p.m. Monday through Friday.
- Lucky for Life: 10:38 p.m. daily.
- Pick 3 Day: 1:10 p.m. daily.
- Pick 4 Day: 1:10 p.m. daily.
- Pick 3 Evening: 6:55 p.m. daily.
- Pick 4 Evening: 6:55 p.m. daily.
- Megabucks: 7:59 p.m. Monday, Wednesday and Saturday.
- Millionaire for Life: 11:15 p.m. daily
What is Vermont Lottery Second Chance?
Vermont’s 2nd Chance lottery lets players enter eligible non-winning instant scratch tickets into a drawing to win cash and/or other prizes. Players must register through the state’s official Lottery website or app. The drawings are held quarterly or are part of an additional promotion, and are done at Pollard Banknote Limited in Winnipeg, MB, Canada.
This results page was generated automatically using information from TinBu and a template written and reviewed by a Vermont editor. You can send feedback using this form.
-
Detroit, MI15 minutes agoChris Simms projects Detroit Lions first-round NFL draft pick
-
San Francisco, CA27 minutes agoSan Francisco sets $3.4B price tag for public takeover of PG&E
-
Dallas, TX33 minutes agoGame Day Guide: Stars at Wild | Dallas Stars
-
Miami, FL39 minutes agoMay a steadying presence as Cards hold off Marlins in Miami
-
Boston, MA45 minutes agoTyrese Maxey, VJ Edgecombe flex in Boston: Takeaways from Celtics-76ers Game 2
-
Denver, CO51 minutes agoMotorcyclist seriously injured in Denver hit-and-run crash – AOL
-
Seattle, WA57 minutes agoBrock: 2 drafts fits at edge rusher for Seattle Seahawks
-
San Diego, CA1 hour agoJoseph Allen Oviatt – San Diego Union-Tribune