Windsor County flood history
Vermont · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 511 flood insurance claims in Windsor County, Vermont since 1978. The NFIP paid $24.9 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2011, with 262, mostly from Hurricane Irene.
In the last ten years (2017–2026) there were 159 claims, and the average paid claim was $85,773.
26% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 1.9% of homes in Windsor County, Vermont had an NFIP flood policy in FEMA's latest count (488 of 25,732 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 28% (297 of 1,057).
Since 2000, FEMA has made 11 flood-related disaster declarations covering Windsor County, Vermont. The most recent was DR-4762-VT (Severe Storm and Flooding), declared March 2, 2024.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2024 | 3 | $0 |
| 2023 | 141 | $10.6 million |
| 2022 | 1 | $9,285 |
| 2021 | 2 | $0 |
| 2019 | 8 | $185,582 |
| 2018 | 1 | $18,219 |
| 2017 | 3 | $35,411 |
| 2014 | 4 | $12,652 |
| 2013 | 5 | $80,419 |
| 2012 | 1 | $0 |
| 2011 | 262 | $13.8 million |
| 2010 | 3 | $18,291 |
| 2009 | 4 | $47,534 |
| 2008 | 3 | $67,035 |
| 2007 | 6 | $34,819 |
| 2006 | 5 | $17,162 |
| 2005 | 3 | $9,662 |
| 2003 | 2 | $0 |
| 2002 | 2 | $5,468 |
| 2001 | 1 | $0 |
| 2000 | 3 | $9,024 |
| 1999 | 1 | $7,998 |
| 1998 | 4 | $4,907 |
| 1996 | 7 | $4,247 |
| 1995 | 1 | $0 |
| 1994 | 1 | $0 |
| 1992 | 7 | $1,451 |
| 1989 | 1 | $1,950 |
| 1987 | 4 | $8,744 |
| 1984 | 3 | $2,628 |
| 1981 | 7 | $781 |
| 1980 | 2 | $316 |
| 1979 | 9 | $9,437 |
| 1978 | 1 | $0 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Hurricane Irene | 2011 | 253 | $13.7 million |
| Vermont/New York Flooding | 2023 | 131 | $10.5 million |
| December Nor'easter | 2023 | 3 | $11,673 |
| Flooding | 1998 | 2 | $4,907 |
| Flooding | 1996 | 1 | $3,497 |
| Flooding | 1992 | 6 | $1,451 |
| Hurricane Debby | 2024 | 1 | $0 |
| Hurricane Sandy | 2012 | 1 | $0 |
How many homes have flood insurance
FEMA counts 488 residential NFIP policies in Windsor County, against 25,732 residential buildings (1.9%). Of the 1,057 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 297 have an NFIP policy (28%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4762-VT | Mar 2, 2024 | Severe Storm and Flooding | No |
| DR-4720-VT | Jul 14, 2023 | Severe Storms, Flooding, Landslides, and Mudslides | Yes |
| EM-3595-VT | Jul 10, 2023 | Flooding | No |
| DR-4445-VT | Jun 14, 2019 | Severe Storms and Flooding | No |
| DR-4330-VT | Aug 16, 2017 | Severe Storms and Flooding | No |
| DR-4140-VT | Aug 2, 2013 | Severe Storms and Flooding | No |
| DR-1790-VT | Sep 12, 2008 | Severe Storms and Flooding | No |
| DR-1715-VT | Aug 3, 2007 | Severe Storms and Flooding | No |
| DR-1698-VT | May 4, 2007 | Severe Storms and Flooding | No |
| DR-1488-VT | Sep 12, 2003 | Severe Storms and Flooding | No |
| DR-1336-VT | Jul 27, 2000 | Severe Storms and Flooding | No |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Vermont.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.