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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.

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 is, for many visitors, the postcard-perfect New England state. A part of the United States since 1791, the first to join the Union after the Thirteen Original Colonies, Vermont has many unique, and sometimes quirky, features. The place has attracted artists and other creative geniuses, some of them decidedly eccentric, from its earliest days. The natural parts of Vermont, like the famous Lake Champlain, offer unusual points of interest for visitors and locals alike. With a state as rich in traveling attractions, it should be little wonder that some of them come with a quirk or two.
Montpelier, while being Vermont’s charming capital, is the tiniest among all US state capitals with just around 8,000 residents. For comparison, the second-smallest, Pierre in South Dakota, has a population of about 14,000. Established in 1787, this historic town warmly welcomes visitors with a variety of landmarks, including the Vermont History Museum and the sprawling 200-acre Hubbard Park. The State House is also open to the public for tours. Just a short drive west, less than an hour away, lies Lake Champlain, one of the Northeast’s most beloved watersides.
The town’s name pays homage to Montpellier, a beautiful city in southern France. This naming reflected the high regard for France at the time, especially for their support during the US War of Independence. Interestingly, Montpelier has experienced its share of flooding, with significant damage occurring in the years 1927, 1992, and most recently in 2023.
Elmore, a charming small town in Lamoille County with fewer than 900 residents, is a favorite spot for autumn leaf-peepers. Located north of Montpelier, this peaceful town has its own unique charm, including several local landmarks sharing the name ‘Elmore,’ which adds to its character. It’s important to note that Elmore town is separate from East Elmore. To the west, Elmore Mountain overlooks the area, while Elmore State Park lies just north of the town itself. Enjoying waterside beauty, Elmore Lake is often listed among Vermont’s most picturesque lakes, with its waters flowing into the Lamoille River through Elmore Pond Brook. Like Montpelier, Elmore is situated east of Lake Champlain. For those seeking a more bustling scene or a change of pace, the vibrant city of Burlington, just an hour’s drive west, makes for a perfect day trip or weekend getaway.
Stowe, with a lively population of 5,300, is Vermont’s top spot for adrenaline seekers and the eccentrics among us, earning its reputation as the state’s premier ski and snowboard destination. The Stowe Mountain Resort proudly calls itself the “ski capital of the east”—that’s the eastern United States. Nestled near the breathtaking Mount Mansfield, Stowe offers more than just winter fun; warmer months bring plenty of activities like hiking and mountain biking in the beautiful Cady Hill Forest.
The town also has a rich history, being the home of Jake Burton Carpenter (1954-2019), the visionary behind Burton Snowboards and a trailblazer in making snowboarding an international sport. While some might have called him eccentric when he launched his company in 1977, today he’s celebrated as a true pioneer whose legacy keeps inspiring young snow sports enthusiasts, like those at Mount Mansfield Winter Academy, a special school dedicated to nurturing the next generation of champions.
Manchester, a town with 4,500 residents located in southwest Vermont, is popular among art and architecture enthusiasts. It features Hildene, the estate of Abraham Lincoln’s son Robert, which boasts an impressive Georgian Revival house and grounds. The town’s American Museum of Fly Fishing showcases numerous rods, flies, and related gear, attracting many superstitious anglers. Manchester is also home to Orvis, a renowned fishing and clothing company. The Southern Vermont Arts Center hosts exhibitions, and includes a sculpture garden and performance space. Nature lovers should visit Mount Equinox, west of town, or explore the Green Mountain National Forest to the south.
Eccentric fact: Jonathan Goldsmith, known for portraying “The World’s Most Interesting Man” in Dos Equis commercials, resides in Manchester. Stay quirky, my friends.
Brattleboro, with a population of 12,100, sits along the Connecticut River and features a variety of attractions and oddities. Located just west of New Hampshire—in which the Connecticut River forms the border—and just north of Massachusetts, the town is an ideal midpoint for exploring the wider New England region. Outdoor enthusiasts will appreciate Fort Dummer State Park, welcoming hikers, bikers, and campers alike. Among the more renowned eccentric figures in history, British writer Rudyard Kipling moved to Brattleboro after marrying a Vermont woman in 1892. Their home, Naulakha, references his birth and childhood in India. Kipling believed that Brattleboro’s conservative small-town culture created an
Woodstock, a town with 3,000 residents located in upstate New York, is separate from the famous 1969 cultural event. This southeastern town attracts architecture enthusiasts, particularly for the First Congregational Church, built in 1807 and featuring a bell cast by American revolutionary Paul Revere, and the Norman Williams Public Library, completed in 1884. For outdoor activities, visitors can walk in Woodstock Town Forest, located south of the town, or enjoy panoramic views from the Marsh Billings Rockefeller National Historical Park, the only part of the US National Park system in Vermont besides the Appalachian Trail. Recently, Woodstock has modernized its infrastructure with digital technology, launching the “Wireless Woodstock” initiative in 2011, which provides free Wi-Fi across the entire town. It’s not quirky; it’s just cool.
These small Vermont towns show the state’s sometimes quirky, but never boring character. Architecture fans will find unusual, beautiful examples state-wide. Montpelier is an oddly pint-sized capital with heavyweight history. Brattleboro has long attracted strange, sometimes brilliant types, whether foreign or domestic. Manchester is interesting enough for the World’s Most Interesting Man. And with abundant natural parks, the Green Mountains, and the majesty of Lake Elmore and Lake Champlain, the quirks of Vermont’s best features should attract even the most straight-laced visitors.
Crime
A Vermont postal worker was cited and suspended for allegedly throwing away mail that was supposed to be delivered to other people, according to police.
Natasha Morisseau, 34, of North Troy, was cited on nine counts of petty larceny and five counts of unlawful mischief, Vermont State Police said in a statement. She works as a mail carrier for the town’s United States Postal Service (USPS) office.
Officers were first alerted to the discarded mail on the afternoon of Jan. 23, according to police. Upon finding the mail in a dumpster on Elm Street in North Troy, they determined that none of it was for that address.
Police identified Morisseau as a person of interest and learned that she was a postal employee. They confirmed that she had regularly been throwing away a small amount of mail under her care since at least October 2025, according to the statement.
After searching the dumpster and Morisseau’s mail vehicle, officers found opened and unopened packages, along with several holiday cards, one of which contained money. Morisseau was later cited Feb. 14 and is due to appear March 17 in Vermont Superior Court, police said.
Since Jan. 23, Morisseau has been suspended by USPS, and all recovered mail has been given back to them for delivery, according to the statement. The case has been forwarded to the USPS’ Inspector General for further review.
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On a typical day, some of the 20 stealth fighter jets based in South Burlington, Vt., take off from tiny Burlington International Airport for training runs near the northern border. In recent months, they’ve flown much farther afield.
The Vermont Air National Guard’s 158th Fighter Wing was deployed in December to the Caribbean, where it took part in the US campaign to capture Venezuelan President Nicolás Maduro. Shortly thereafter, the squadron joined a military buildup in and around the Middle East to prepare for US and Israeli airstrikes against Iran.
Though both deployments had been widely reported, the military remained mum about the whereabouts of Vermont’s F-35A Lightning II jets. Even Governor Phil Scott, technically the commander of the Vermont Guard, said he only knew what he’d read in the news, given that US military leaders were directing the missions.
On Monday, General Dan Caine, chairman of the Joint Chiefs of Staff, confirmed the deployments at a Pentagon press conference about the war on Iran. Caine praised National Guard members from Vermont, Wisconsin, and elsewhere.
“In the case of the Vermont Air National Guard and the 158th Fighter Wing, they were mobilized for Operation Absolute Resolve,” Caine said, referring to the Venezuela campaign. “And then were tasked to take their F-35As across the Atlantic instead of going home, to be prepared to support this operation” in the Middle East.
Much remains unknown about the Vermont Guard’s recent missions, including the precise role they played in Venezuela and Iran, where the jets are currently based, and how long they’ll remain.
The Guard did not immediately respond to requests for comment., Its recently elected leader, General Henry “Hank” Harder, said in a statement that the force was “proud of the dedicated and professional service of our Airmen” and pledged to support their families in the meantime.
“We will continue to carry out our commitment to these Vermont Service Members until, and long after, they return from this mission,” Harder said.
Vermont’s three-member congressional delegation, meanwhile, has praised Vermont Guard members for their service in Venezuela but has criticized President Trump’s campaigns there and in Iran, particularly absent congressional authorization.
“The people of our country, no matter what their political persuasion, do not want endless war,” said Senator Bernie Sanders, an independent, echoing similar remarks from Senator Peter Welch and Representative Becca Balint, both Democrats. “We must not allow Trump to force us into another senseless war. No war with Iran.”
Paul Heintz can be reached at paul.heintz@globe.com. Follow him on X @paulheintz.
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