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We do it free, with page citations you can verify."}],["$","a",null,{"href":"/start","className":"mt-3 inline-flex items-center gap-1 text-sm font-semibold text-signal hover:underline","children":["Get my free risk report"," →"]}]]}]]}],["$","div",null,{"className":"mt-12","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":["Where ","Vermont"," due diligence deserves the most attention"]}],["$","div",null,{"className":"mt-4 space-y-3","children":[["$","div","Climate / flood risk (10/10)",{"className":"flex gap-3 rounded-lg border border-flag/40 bg-flag/5 p-4","children":[["$","svg",null,{"xmlns":"http://www.w3.org/2000/svg","width":24,"height":24,"viewBox":"0 0 24 24","fill":"none","stroke":"currentColor","strokeWidth":2,"strokeLinecap":"round","strokeLinejoin":"round","className":"lucide lucide-triangle-alert mt-0.5 h-4 w-4 shrink-0 text-flag","aria-hidden":"true","children":[["$","path","wmoenq",{"d":"m21.73 18-8-14a2 2 0 0 0-3.48 0l-8 14A2 2 0 0 0 4 21h16a2 2 0 0 0 1.73-3"}],["$","path","juzpu7",{"d":"M12 9v4"}],["$","path","p32p05",{"d":"M12 17h.01"}],"$undefined"]}],["$","p",null,{"className":"text-sm leading-relaxed text-graphite","children":[["$","span",null,{"className":"font-semibold text-ink","children":"Climate / flood risk (10/10)"}]," — ","Two catastrophic floods (2023, 2024), ~$1B damage, lowest-in-nation insurance uptake, maps understate exposure. 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It applies to all common interest communities (condominiums, planned communities/HOAs, and cooperatives) created in Vermont on or after January 1, 1999 (Added 1997, No. 104 (Adj. Sess.), § 3, eff. Jan. 1, 1999)."}]]}],["$","div","Reserve Studies and Reserve Funding",{"className":"mt-10","children":[["$","h2",null,{"className":"text-2xl font-semibold text-ink","children":"Reserve Studies and Reserve Funding"}],["$","p",null,{"className":"mt-3 leading-relaxed text-graphite","children":"So while Vermont does not require reserves, it requires associations to disclose what reserves they have (or do not have) at sale and budget time. 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