States › Vermont › Windsor County

Windsor County, Vermont

Recorded hazard history: storm events since 1950, federal disaster declarations since 1953, flood insurance claims since 1978, and FEMA's risk index.

FIPS 50027 · 58,196 residents (2021) · 969 sq mi · dominant hazard Winter

Hail · 64Tornado · 5Flood · 65Wind · 230Winter · 239

Windsor County within Vermont. Dots: HailTornadoFloodWind event locations in the kept record. Boundaries: US Census Bureau.

NCEI notes that Storm Data is compiled from a variety of sources including the National Weather Service, other federal, state and local agencies, the media and the public; that property and crop damage figures are estimates; and that some events are recorded by NWS forecast zone rather than by county. FEMA notes that NFIP claim records are redacted and aggregated to protect the privacy of policyholders. NCEI storm records through 30 Jun 2026; OpenFEMA declarations refreshed 1 Oct 2026; NFIP claims as of 8 Sep 2026.

The NCEI record lists 645 events for Windsor County, Vermont, between 1950 and 2026; winter storms and snow account for the largest share.

That is 66.6 events per 100 square miles, below the Vermont figure of 119.4, and 110.8 per 10,000 residents against 170.5 statewide.

4 events fall in the 12 months to 30 Jun 2026. NCEI attributes 5 deaths and 3 injuries to events in the county, with property damage estimated at $165M and crop damage at $8.7M.

FEMA has designated the county in 27 federal disaster declarations since 1953; the most recent is Tropical Depression Debby (emergency, 8 Aug 2024).

National Flood Insurance Program policyholders in the county filed 511 claims since 1978, of which 397 were paid, totalling $25M (about $63K per paid claim). FEMA counts 488 residential flood policies in force.

FEMA's National Risk Index rates the county's overall risk as "Relatively Low" and its expected annual loss as "Relatively Low" ($25M a year across 18 hazards).

23 tropical storm or hurricane tracks in the HURDAT2 record passed within 100 miles of the county's centre at tropical-storm strength or more, 0 of them within 50 miles at hurricane strength.

4events, last 12 monthsto 30 Jun 2026

645events since 19505 deaths, 3 injuries recorded

27disaster declarationslast 8 Aug 2024

511NFIP flood claims$25M paid

Compared with Vermont and the United States

Measure	Windsor County	Vermont	US
Recorded events since 1950	645	11,007	1,977,440
Events per 100 square miles	66.6	119.4	56.0
Events per 10,000 residents	110.8	170.5	59.6
Events in the last 12 months	4	353	62,008
Deaths recorded by NCEI	5	62	26,435
Property damage (NCEI estimates)	$165M	$1.7B	$575B
NFIP claims per 1,000 residents	8.8	5.8	8.1
Average paid NFIP claim	$63K	$40K	$43K
Claims per 100 policies in force, last 10 years	32.6	37.4	16.1

County-recorded events plus zone-recorded events whose forecast zone is named for the county. State and US rows include events recorded only by forecast zone. Rates use 2021 Census population and land area.

Events by decade

Hail: 1Tornado: 1Wind: 1

Tornado: 3Wind: 2

Hail: 1Wind: 4

Hail: 6Wind: 11

Hail: 5Flood: 11Wind: 46Winter: 42Cold: 2Fog: 1

Hail: 24Flood: 20Wind: 48Winter: 120Heat: 2Cold: 13Lightning: 7Other: 5

Hail: 24Flood: 24Wind: 78Winter: 61Heat: 3Cold: 4

Hail: 3Tornado: 1Flood: 10Wind: 40Winter: 16Heat: 1Cold: 4

31950s51960s51970s171980s1071990s2392000s1942010s752020s

Recorded events in Windsor County by decade and hazard group. HailTornadoFloodWindWinterHeatColdLightningFogOther NCEI recorded only tornadoes, hail and thunderstorm wind before 1996.

Trend: 377 events in the 20 years to 2025 against 246 in the 20 years before. Reporting practice changed in 1996 and again with automated reports in the 2000s, so decade totals measure the record as much as the weather.

Events by type

Winter239

Wind230

Flood65

Hail64

Cold23

Lightning7

Heat6

Tornado5

Other5

Fog1

Hazard	Events	Deaths	Share of state's events
■ Winter	239	2	5.0%	detail
■ Wind	230	—	6.7%	detail
■ Flood	65	1	7.1%	detail
■ Hail	64	—	7.7%	detail
■ Cold	23	—	3.5%
■ Lightning	7	1	7.4%
■ Heat	6	1	3.6%
■ Tornado	5	—	9.4%
■ Other	5	—	6.7%
■ Fog	1	—	9.1%

Hazard pages exist for hail, tornado, flood, wind and winter where the county has at least 10 recorded events. "Other" covers heavy rain, debris flow, dust, funnel clouds and similar reports.

Largest recorded events

Date	Event type	Group	Magnitude	Property damage	Crop damage	Deaths	Injuries	Geography
10 Jul 2023	Flash Flood	Flood	—	$25M	—	1	—	County
7 Jan 2000	Winter Weather	Winter	—	$50K	—	1	2	Forecast zone
29 Nov 2016	Winter Weather	Winter	—	$25K	—	1	—	Forecast zone
4 Jul 2002	Lightning	Lightning	—	—	—	1	—	County
21 Jul 2011	Heat	Heat	—	—	—	1	—	Forecast zone
28 Aug 2011	Flash Flood	Flood	—	$100M	$5.0M	—	—	County
28 Aug 2011	Flood	Flood	—	$20M	$2.5M	—	—	County
21 Jul 2003	Thunderstorm Wind	Wind	115 mph	$100K	—	—	1	County
1 Jul 2017	Flash Flood	Flood	—	$3.2M	—	—	—	County
27 Jun 1998	Flash Flood	Flood	—	$1.0M	—	—	—	County
23 Feb 2010	Winter Storm	Winter	—	$1.0M	—	—	—	Forecast zone
17 Mar 2012	Heat	Heat	—	—	$1.0M	—	—	Forecast zone
19 Jan 1996	Flood	Flood	—	$900K	—	—	—	Forecast zone
11 Jul 2007	Flash Flood	Flood	—	$750K	—	—	—	County
28 Jul 2014	Flash Flood	Flood	—	$600K	—	—	—	County
16 Jul 2000	Flash Flood	Flood	—	$500K	—	—	—	County
15 Apr 2019	Flash Flood	Flood	—	$500K	—	—	—	County
27 Jul 2018	Flash Flood	Flood	—	$400K	—	—	—	County
28 Jul 2014	Flash Flood	Flood	—	$300K	—	—	—	County
12 Jun 1996	Flash Flood	Flood	—	$250K	—	—	—	County

Ranked by deaths, then injuries, then NCEI's damage estimate. Deaths and injuries are NCEI counts (direct plus indirect); no personal details are recorded here.

Federal disaster declarations

Declared	Number	Type	Incident	Title	Programs
8 Aug 2024	EM-3609	Emergency	Tropical Storm	Tropical Depression Debby	Public assistance
2 Mar 2024	DR-4762	Major disaster	Severe Storm	Severe Storm And Flooding	Public assistance
14 Jul 2023	DR-4720	Major disaster	Flood	Severe Storms, Flooding, Landslides, And Mudslides	Individual assistance, Public assistance
10 Jul 2023	EM-3595	Emergency	Flood	Flooding	Public assistance
22 Aug 2021	EM-3567	Emergency	Hurricane	Tropical Storm Henri	Public assistance
8 Apr 2020	DR-4532	Major disaster	Biological	Covid-19 Pandemic	Individual assistance, Public assistance
13 Mar 2020	EM-3437	Emergency	Biological	Covid-19	Public assistance
14 Jun 2019	DR-4445	Major disaster	Flood	Severe Storms And Flooding	Public assistance
16 Aug 2017	DR-4330	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
3 Feb 2015	DR-4207	Major disaster	Severe Storm	Severe Winter Storm	Public assistance
2 Aug 2013	DR-4140	Major disaster	Flood	Severe Storms And Flooding	Public assistance
1 Sep 2011	DR-4022	Major disaster	Hurricane	Tropical Storm Irene	Individual assistance, Public assistance
29 Aug 2011	EM-3338	Emergency	Hurricane	Hurricane Irene	Public assistance
12 Sep 2008	DR-1790	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
3 Aug 2007	DR-1715	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
4 May 2007	DR-1698	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
12 Sep 2003	DR-1488	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
10 Apr 2001	EM-3167	Emergency	Snowstorm	Snow	Public assistance
27 Jul 2000	DR-1336	Major disaster	Severe Storm	Severe Storms And Flooding	Public assistance
10 Nov 1999	DR-1307	Major disaster	Severe Storm	Tropical Storm Floyd	Public assistance
30 Jun 1998	DR-1228	Major disaster	Severe Storm	Severe Storms And Flooding	Individual assistance, Public assistance
15 Jan 1998	DR-1201	Major disaster	Severe Storm	Severe Ice Storms, Rain, High Winds And Flooding	Individual assistance, Public assistance
13 Feb 1996	DR-1101	Major disaster	Flood	Ice Jams And Flooding	Public assistance
18 Mar 1992	DR-938	Major disaster	Flood	Heavy Rains, Ice Jams & Flooding	Individual assistance, Public assistance
5 Aug 1976	DR-518	Major disaster	Flood	Severe Storms, High Winds & Flooding	Individual assistance, Public assistance
6 Jul 1973	DR-397	Major disaster	Flood	Severe Storms, Flooding, & Landslides	Individual assistance, Public assistance
30 Aug 1969	DR-277	Major disaster	Flood	Severe Storms & Flooding	Individual assistance, Public assistance

Declarations in which FEMA designated this county, from the OpenFEMA Disaster Declarations Summaries (v2). DR: major disaster; EM: emergency; FM: fire management assistance. Programs show whether individual or public assistance was made available.

Flood insurance claims

197820022026

NFIP claims by year of loss in Windsor County, 1978 to 2026 (hover for the amount paid).

Claims since 1978511

Paid claims397

Total paid$25M

Average paid claim$63K

Repetitive-loss properties140 severe

Residential policies in force4881.9% of 25,732 structures

Year of loss	Claims	Paid claims	Amount paid	Average paid
2024	3	0	$0	—
2023	141	116	$10,558,859	$91,025
2022	1	1	$9,285	$9,285
2021	2	0	$0	—
2019	8	6	$185,582	$30,930
2018	1	1	$18,219	$18,219
2017	3	2	$35,411	$17,706
2014	4	2	$12,652	$6,326
2013	5	5	$80,419	$16,084
2012	1	0	$0	—
2011	262	220	$13,758,307	$62,538
2010	3	3	$18,291	$6,097
2009	4	3	$47,534	$15,845
2008	3	2	$67,035	$33,518
2007	6	5	$34,819	$6,964
2006	5	3	$17,162	$5,721
2005	3	2	$9,662	$4,831
2003	2	0	$0	—
2002	2	1	$5,468	$5,468
2001	1	0	$0	—
2000	3	2	$9,024	$4,512
1999	1	1	$7,998	$7,998
1998	4	2	$4,907	$2,454
1996	7	2	$4,247	$2,124
1995	1	0	$0	—

OpenFEMA NFIP claims (v3, as of 8 Sep 2026), aggregated by year of loss; amounts are building, contents and increased-cost-of-compliance payments as recorded. Repetitive-loss counts from the NFIP Multiple Loss Properties file (2 Aug 2026); policies in force from the NFIP Residential Penetration Rates file (3 Aug 2026).

National Risk Index

Overall riskRelatively Lowscore 61.6 of 100

Expected annual loss$25MRelatively Low

Social vulnerabilityRelatively Low

Community resilienceRelatively High

Hazard (NRI)	Risk rating	Expected annual loss
Inland flooding	Relatively Moderate	$19,395,729
Cold wave	Relatively Low	$1,347,723
Heat wave	Relatively Low	$1,027,538
Hurricane	Relatively Low	$880,469
Tornado	Relatively Low	$584,563
Lightning	Relatively Moderate	$482,889
Strong wind	Relatively Low	$402,785
Earthquake	Very Low	$380,046
Ice storm	Relatively Moderate	$256,247
Winter weather	Relatively Moderate	$187,318
Hail	Very Low	$107,396
Landslide	Relatively Moderate	$66,987
Wildfire	Very Low	$13,490
Avalanche	Very Low	$1,075

FEMA National Risk Index, December 2025 release. Ratings are FEMA's relative comparison of counties; expected annual loss is FEMA's modelled estimate of average yearly building, population and agriculture loss. See how to read the NRI.

Hurricane and tropical storm passes

Tracks within 100 miles23

Tracks within 50 miles8

Hurricane strength within 50 miles0

Storm	Year	Closest approach	Max wind while within 100 mi
Isaias	2020	39 mi	52 mph
Irene	2011	50 mi	58 mph
David	1979	58 mi	46 mph
Belle	1976	68 mi	40 mph
Doria	1971	43 mi	52 mph
Unnamed Atlantic storm	1968	33 mi	52 mph
Brenda	1960	68 mi	46 mph
Donna	1960	88 mi	69 mph
Carol	1954	69 mi	92 mph
Able	1952	96 mi	52 mph
Unnamed Atlantic storm	1949	16 mi	52 mph
Unnamed Atlantic storm	1938	28 mi	69 mph
Unnamed Atlantic storm	1934	60 mi	46 mph
Unnamed Atlantic storm	1929	54 mi	58 mph
Unnamed Atlantic storm	1924	77 mi	63 mph
Unnamed Atlantic storm	1923	75 mi	40 mph
Unnamed Atlantic storm	1916	90 mi	58 mph
Unnamed Atlantic storm	1899	48 mi	52 mph
Unnamed Atlantic storm	1893	44 mi	69 mph
Unnamed Atlantic storm	1878	76 mi	69 mph
Unnamed Atlantic storm	1874	79 mi	69 mph
Unnamed Atlantic storm	1869	92 mi	92 mph
Unnamed Atlantic storm	1866	67 mi	46 mph

HURDAT2 best-track positions at tropical-storm strength (34 kt) or more, measured from the county's Census centre point; through the 2025 season. Distance from a track is not the same as the extent of the storm's wind, rain or surge.

ZIP codes with flood claims

05149 105
05091 79
05143 60
05153 24
05032 23
05161 23
05089 21
05772 21
05056 18
05142 17
05035 17
05068 16
05001 14
05767 10
05034 9
05055 7
05150 7
05062 6
05047 6
05065 5
05151 5
05156 5
05059 5

ZIP codes whose NFIP claims carry this county's code, with the number of claims. Five or more claims are needed for a ZIP page to be indexed.

Questions and answers

How often does it hail in Windsor County, VT?

NCEI records 64 hail events in Windsor County since 1950, in 25 different years; that is about 0.8 recorded events a year. 5 reports were golf-ball size (1.75 in) or larger.

Has Windsor County had a tornado?

Yes. NCEI records 5 tornadoes in Windsor County since 1950, 4 of them rated (E)F2 or stronger. Tornado deaths recorded: 0.

When was the last federal disaster declaration for Windsor County?

8 Aug 2024: Tropical Depression Debby, a emergency declaration for tropical storm. The county appears in 27 declarations since 1953.

How many flood insurance claims have been filed in Windsor County, and how much was paid?

511 NFIP claims since 1978, 397 of them paid, for $25M in total. FEMA publishes these figures redacted and aggregated; individual properties are not identified.

Is Windsor County in the National Risk Index's high-risk band?

FEMA's National Risk Index (December 2025) rates the county "Relatively Low" for overall risk, "Relatively Low" for expected annual loss, "Relatively Low" for social vulnerability and "Relatively High" for community resilience. These ratings are FEMA's relative comparison across all US counties.

How does Windsor County compare with the rest of Vermont?

66.6 recorded events per 100 square miles against 119.4 statewide, and 8.8 NFIP claims per 1,000 residents against 5.8. The comparison table on this page shows each measure beside the state and national figures.

Provenance

Storm events: NOAA NCEI Storm Events Database, yearly details files through 30 Jun 2026 (public domain). Declarations: OpenFEMA DisasterDeclarationsSummaries v2, refreshed 1 Oct 2026. Flood claims: OpenFEMA NfipClaims v3 as of 8 Sep 2026; NfipMultipleLossProperties v1 (2 Aug 2026); NfipResidentialPenetrationRates v1 (3 Aug 2026). Risk index: FEMA National Risk Index, December 2025. Hurricane tracks: NHC HURDAT2 through 2025. Population and area: US Census Bureau, 2021 vintage. Built 1 Oct 2026; see the methodology and corrections pages. Hazard hubs: Hail · Tornado · Flood · Wind · Winter.