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Risk: Relatively Low

Windham County, VT Environment & Hazard Risk

Relatively Low natural hazard risk, led by landslide. 1,038 storm events since 1996.

Expected yearly loss
$20.3M
Relatively Low nationally
Storm events since 1996
1,038
Most often winter weather
Flood insurance policies
269
1.3% of homes
Hurricanes nearby
1
7 tropical storms or stronger since 1878

Natural hazard risk

FEMA National Risk Index, December 2025

Overall risk

Relatively Low

Score 56.9 of 100

Social vulnerability

Relatively Low

Score 31.7 of 100

Community resilience

Relatively High

Score 74.4 of 100

Community resilience runs the other way: a higher rating means a community can recover faster.

Building value exposed: $13.8B · Agriculture value exposed: $36.8M · Risk-adjusted yearly loss: $20M

Risk by hazard

  • LandslideRelatively Low$33.3K/yr expected annual loss, about 1.6 events a year
  • HurricaneRelatively Low$987K/yr expected annual loss, about once every 16 years
  • Ice stormRelatively Moderate$262K/yr expected annual loss, about 1.2 events a year
  • Cold waveRelatively Moderate$2.1M/yr expected annual loss, about 3.8 events a year
  • LightningRelatively Moderate$369K/yr expected annual loss, about 23 events a year
  • EarthquakeVery Low$288K/yr expected annual loss, about once every 1,071 years
  • Winter weatherRelatively Low$65.8K/yr expected annual loss, about 23 events a year
  • AvalancheVery Low$417/yr expected annual loss, about once every 100 years
  • TornadoRelatively Low$914K/yr expected annual loss, about once every 7 years
  • Heat waveVery Low$221K/yr expected annual loss, about 1.3 events a year
  • HailVery Low$136K/yr expected annual loss, about 2.6 events a year
  • Strong windRelatively Low$230K/yr expected annual loss, about 1.3 events a year
  • WildfireVery Low$8,499/yr expected annual loss, about once every 56,749 years

Bars show the national percentile score (0 to 100) for each hazard. Dollar figures are expected annual losses to buildings, people and crops. Not rated here: coastal flooding, drought, riverine flooding, tsunami, volcanic activity.

Flood risk and insurance

National Flood Insurance Program and FEMA flood maps

Check the flood zone for an address

Homes with flood insurance
269 of 21,012 (1.3%)
Homes in high-risk flood zones
749
Insured in high-risk zones
117 (16%)
Flood claims since 1978
312
Claims paid since 1978
$10.9M

Flood claims paid per year

Flood claims paid per year in Windham County
Beta
  • Hurricane Irene$9.1M · 177 claims
  • Vermont/New York Flooding$1.2M · 24 claims
  • Flooding$36.4K · 2 claims
  • December Nor'easter$24.8K · 1 claim
  • March 2010 Nor'easter$9,025 · 1 claim
  • Hurricane Sandy$0 · 1 claim

Storm history

Since 1996: 1,038 events, 1 death, $11.1M in damage

  • Winter Weather191
  • Winter Storm148
  • Thunderstorm Wind143
  • Strong Wind98
  • Heavy Snow69
  • Cold/Wind Chill69
  • Flash Flood68 · 1 death
  • Flood60
  • High Wind38
  • Heat37
Beta

Events per year

Storm events per year in Windham County
36
61
31
26
53
20
31
28
34
22
60
65
51
33
62
60
52
38
61
33
Beta

5 tornadoes on record (EF1 1, F0 2, F1 1, F2 1).

Most damaging storms

Since 1996, ranked by deaths, injuries and damage

  • Flash Flood08/28/2011

    Whitingham, Windham County

    1 death

    What happened

    Route 100 in Windham County was closed due to flooding and wash outs. Portions of Route 100 remained closed after the flood waters receded due to significant damage. The North Branch Deerfield River runs along a portion of Route 100 from the Mount Snow area to Wilmington. Along Dover Road, one house was destroyed and floated down the North Branch Deerfield River and other houses were destroyed or significantly damage. Much of the road was reported washed away. ||A woman drowned when the car she was in became trapped by flood waters from the North Branch Deerfield River in Wilmington. The time of her death is unknown.

  • Lightning07/02/2014

    Guilford, Windham County

    7 injured

    What happened

    Seven fire fighters responding to a structure fire were struck by lightning during a thunderstorm in Guilford. Although all seven were sent to a hospital with minor injuries, no serious injuries were reported.

  • Flash Flood07/30/2021

    Athens, Windham County

    1 injured, $600K damage

    What happened

    The Town of Westminster suffered major impact due to flash flooding. Roads around the town were disintegrated making them impassable along with at least one culvert washed away. There were reports of mudslides and standing water on other roads around the town. One home off Henwood Hill Road is uninhabitable when rock and gravel and debris was deposited against the foundation and flood water gouged a new riverbed next to the house, where a large culvert had been. Farther up the road, severe washouts resulted in one of two cases of cars to end up in a massive ditch. An out-of-state driver suffered a concussion after ending up in a gouged-out ditch along a portion of Orchard Hill Road.

  • Flash Flood07/30/2021

    Newfane, Windham County

    $1M damage

    What happened

    The Town of Putney suffered major impact due to flash flooding. Numerous roads were closed throughout the town with Putney Mountain, Holland Hill, Pine Banks and River Road the hardest hit. A culvert collapsed on Putney Mountain Road with additional areas along the road washed out. A large section of River Road was washed away. Approximately 300 individuals were reported isolated individuals due to main road washouts. The Putney General Store on Kimball Hill reported damage due to flooding.

  • Flash Flood07/30/2021

    Bellows Falls, Windham County

    $1M damage

    What happened

    The Town of Rockingham suffered significant damage to roads and infrastructure due to flash flooding. Numerous roads were closed around town including Ski Bowl, Leach, Rockingham Hill, Hartley Hill, Pleasant Valley, Paradise, Hall Bridge, Corey Hill and Darby Hill. Residential damage was also reported. The Laurel Avenue-Hyde Hill neighborhood in Bellows Falls was blocked by flood debris, sending several feet of water into the area, leaving behind lots of mud.

  • Flash Flood06/13/1996

    Grafton, Windham County

    $1M damage

    What happened

    A very moist and unstable atmosphere remained over Vermont on June 13. This produced a second straight day of torrential rains from training thunderstorms in the Grafton area, which resulted in disastrous flash flooding. The governor declared Grafton a disaster area and the Vermont National Guard was called in to assist in repairing roads. Grafton was completely isolated with all roads made impassable by washouts. Routes 35 and 121 were washed out in several sections. The Saxtons River reached its third highest stage. A 250 pound propane gas tank was washed away. Several bridges were severely damaged. Fourteen homes were affected by the flooding with three sustaining severe damage. The worst damage occurred at the Bahric House which dated from the mid 1800s. Rocks and mud were piled up to the back windows on the main floor.

Drinking water

48 community water systems serve about 36,329 people. Violations since 2021.

7 systems had health-based violations, such as a contaminant over the legal limit or a missed treatment step. 3 systems had a violation of any kind still open at last report.

Largest systems by population served. Monitoring and reporting violations mean required tests or notices were late or missing, not that the water was unsafe.

Pollution sites

1 Superfund site and 4 toxic release facilities in Windham County

Superfund sites

Toxic release facilities

Total: 23,145 lbs in 2024, 647 lbs to air.

Superfund sitesToxic release facilitiesEPA inspections and enforcementAir toxics cancer risk63 historic places

Frequently asked questions

How risky is Windham County for natural disasters?
FEMA rates Windham County relatively low for overall natural hazard risk, with expected losses of $20.3M a year. The highest-rated hazards are landslide (relatively low), hurricane (relatively low), ice storm (relatively moderate).
What storms are most common in Windham County?
Since 1996, NOAA recorded 1,038 storm events affecting Windham County, most often winter weather (191), winter storm (148), thunderstorm wind (143).
How many tornadoes have hit Windham County?
5 tornadoes have been recorded in Windham County since 1950.
How many homes in Windham County have flood insurance?
269 residential flood insurance policies are in force in Windham County, covering about 1.3% of homes. The program has paid $10.9M on 312 claims here since 1978.
What is the weather like in Windham County?
At Walpole 2s Nepp, average highs reach 81°F in Jul and lows fall to 13°F in Jan, with 47.0 inches of rain a year (1991-2020 normals).

Source: FEMA (National Risk Index, NFIP), NOAA (Storm Events, HURDAT2, Climate Normals), EPA · Last updated 08/01/2026 · Storm counts include events in forecast zones that touch the county. This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.

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