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Opinion — Michael Gaughan and Katy Hansen: Vermont needs to get on the road to risk reduction

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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.

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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. 

Vermont appeals Trump’s rejection of disaster aid for July 2025 flooding


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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.

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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. 





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Vermont

OUTDOOR ACCESS FOR DISABLED IN VERMONT

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OUTDOOR ACCESS FOR DISABLED IN VERMONT


Louis Arevalo rides his adaptive mountain bike through the trails at Randolph Town Forest during an adaptive assessment on Thursday, June 25. Nick Bennette, with the Vermont Mountain Bike Association, rides behind.

Zoe McDonald/Vermont Public


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Zoe McDonald/Vermont Public

Mountain bike enthusiasts have been working for years on an ambitious 485-mile, multi-use trail called The Velomont that will span the length of the state.

When finished, the collaborative project will knit together existing trail networks, connect 27 communities and include huts and hostels for overnight stays.

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New trail construction is finally ramping up after years spent on permits, plans and public input. And organizers say they want to make it as user-friendly as possible.

“For us, it’s not a huge lift to just be mindful when we’re trying to build trail or improve trail to think about the adaptive rider,” said Angus McCusker, the Velomont trail director with the nonprofit Vermont Huts and Trails.

McCusker is referring to the growing number of disabled athletes who mountain bike with specially designed equipment.

“The challenge,” said McCusker, “is we’re connecting to existing trail networks that were never intended for adaptive bikes. So, where we can, we’re trying to do adaptive assessments.”

Louis Arevalo, left, straps into his adaptive mountain bike and chats with Jeff Dickson of the Vermont Mountain Bike Association, Angus McCusker with Vermont Huts and Trails, and volunteer Thatcher Hinman (all from left) ahead of a trail accessibility assessment in Randolph, Vermont, on Thursday, June 25, 2026.

Louis Arevalo, left, straps into his adaptive mountain bike and chats with Jeff Dickson of the Vermont Mountain Bike Association, Angus McCusker with Vermont Huts and Trails, and volunteer Thatcher Hinman (all from left) ahead of a trail accessibility assessment in Randolph, Vermont, on Thursday, June 25, 2026.

Zoe McDonald/Vermont Public

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Louis Arevalo of Essex Junction is one of several adaptive athletes helping with that, most recently on some slightly overgrown single track trails in Randolph, a central Vermont town nestled along the eastern edge of the Green Mountains.

Arevalo pedals with his hands. He rides an electric powered recumbent-style three-wheeler that sits low to the ground. His service dog Azul chases along nearby.

“Once you realize what these bikes are capable (of) or this equipment actually opens up, it kind of blows your mind,” he said.

Arevalo was paralyzed in a skiing accident six years ago. Being able to get back on the trails has been a game changer, he said smiling.

“There’s a reason we live in the Green Mountain state. It’s because we like to get outside…you know, seeing the squirrels and chipmunks and birds… I mean, it’s life.”

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Nick Bennette, of the Vermont Mountain Biking Association, guides an adaptive bike over a narrow bridge, pointing out that other adaptive riders may have trouble getting across.

Nick Bennette, of the Vermont Mountain Biking Association, guides an adaptive bike over a narrow bridge, pointing out that other adaptive riders may have trouble getting across.

Zoe McDonald/Vermont Public


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But adaptive rigs like Arevalo’s are wider and heavier than regular mountain bikes, and not all trails are user-friendly.



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VT Lottery Powerball, Gimme 5 results for July 8, 2026

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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.

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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 July 8, 2026, results for each game:

Winning Powerball numbers from July 8 drawing

12-29-37-43-55, Powerball: 18, Power Play: 4

Check Powerball payouts and previous drawings here.

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Winning Gimme 5 numbers from July 8 drawing

01-05-23-36-38

Check Gimme 5 payouts and previous drawings here.

Winning Pick 3 numbers from July 8 drawing

Day: 0-1-3

Evening: 2-4-0

Check Pick 3 payouts and previous drawings here.

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Winning Pick 4 numbers from July 8 drawing

Day: 3-9-5-9

Evening: 9-2-0-9

Check Pick 4 payouts and previous drawings here.

Winning Megabucks Plus numbers from July 8 drawing

12-15-23-27-40, Megaball: 03

Check Megabucks Plus payouts and previous drawings here.

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Winning Millionaire for Life numbers from July 8 drawing

16-18-43-48-50, Bonus: 01

Check Millionaire for Life 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.

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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

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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.



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Poll: Most young Vermonters say they’re likely to leave state amid affordability concerns – VTDigger

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Poll: Most young Vermonters say they’re likely to leave state amid affordability concerns – VTDigger


University of Vermont students gather at a protest on campus in Burlington in April 2022. File photo by Glenn Russell/VTDigger

Theo Wells-Spackman is a Report for America corps member who reports for VTDigger.

Nearly two-thirds of Vermonters ages 18 to 34 say they’re likely to leave the state within five years in search of adventure or a cheaper place to live, according to a poll from the University of New Hampshire.  

Overall, the poll estimated that 86% of Vermonters find the state at least somewhat unaffordable.

“The issue of affordability has been a very important thing across New England,” said UNH political science professor Andrew Smith, who runs the institution’s survey center. The poll, released Tuesday, includes response data for five New England states, excluding Maine.

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In general, the survey found, most residents say Vermont is a good place to live — or even a great one.

Nevertheless, about 40% of Vermonters of all ages want to leave the state, according to the report from Smith’s team. Housing prices and other cost-of-living concerns are the foremost drivers of the trend, researchers found, followed by tax rates. Connecticut and Rhode Island showed similar overall rates of desired departure.

Among young people, though, Vermont’s numbers stand out.

Smith’s research found that 63% percent of Vermonters between 18 and 34 say they’re somewhat or very likely to move out of the state in the next five years. That’s a much higher rate of planned departure than in any other state surveyed. Responses varied from 28% in New Hampshire to 44% in Connecticut. 

But according to Smith, New England often sees a beneficial “boomerang effect”: former residents eventually returning to their home states, often as higher earners.

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In a Wednesday press conference, Gov. Phil Scott said that although he hadn’t seen the poll, he wasn’t surprised by reports that many Vermonters are considering a move.

“I think there’s a lot of frustration out there,” he said. “We have a lot of work to do to make Vermont the affordable state that these folks need.”

About half of young Vermonters who said they want to move away cited the cost of living as a primary reason, while roughly as many said they were looking for a “new adventure or more excitement.” By contrast, less than a quarter of those older than 64 foresee leaving, according to the poll. 

Outmigration of young people could worsen the state’s existing workforce shortage, according to Kevin Chu, who leads the research nonprofit the Vermont Futures Project. Scott’s administration has made workforce development a priority in light of what his office called a “growing demographic crisis.”

Chu added that by design, services such as public education and healthcare are supported disproportionately by working households that tend to pay higher taxes and insurance premiums. When the base of income earners shrinks, the problem can then intensify for those bearing the brunt of rising costs, he added.

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“There’s a demographic reality in which the economic burden is being shouldered by a small and shrinking pool of young working-age people,” Chu said.

Tuesday’s poll also indicated that Vermonters who have completed more education say they’re less likely to leave the state. For Chu, that’s likely because such households tend to earn more — and also because they tend to be older.

Julie Lowell, deputy director of the Montpelier research nonprofit Public Assets Institute, offered a grain of salt in relation to Tuesday’s report. While migration is crucial to keep track of, Vermont’s overall population turnover tends to be about 5% or less each year, she said. And although the state does have an unusual number of young people intending to leave, that age group is always the most mobile in any study, she said.

In recent years, more of Vermont’s older population has possessed more wealth to contribute to public services, Lowell added. For example, she said, her organization has found that more Vermonters aging out of the workforce has not appeared to decrease state tax revenues in recent years. 

But it’s true that many Vermonters are struggling to make ends meet, she said. The state’s lowest earners have seen low wage growth in relation to other New England states, she said, and basic needs are getting harder to cover.

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“We’re seeing prices, in large part driven by housing and healthcare, really outpacing our increases in household incomes,” Lowell said. “Many people are feeling insecure.”





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