Photo: Ascended Dreamer · CC BY 4.0FEMA expects about as much hazard damage per building in Weathersfield as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Weathersfield gets a B for hazard risk: lower expected damage per building than 56% of U.S. towns, #47 of 71 in Vermont. Most of that expected damage is river and rain flooding (88%). Flood insurance has paid 5 claims here since 2011.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Weathersfield faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Weathersfield’s grade
River and rain flooding is 88% of the building damage FEMA expects in Weathersfield, and Weathersfield’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts.
B #47 of 71 in Vermont; lower expected damage per building than 56% of U.S. towns (21,298).
All of Weathersfield’s residents live in one census tract; the figures are that tract’s.
The typical Vermont town has lower expected damage than 66% of U.S. towns; within the state, Weathersfield has more expected damage per building than 66% of Vermont towns.
In dollars, FEMA expects about $1.0M a year in losses across Weathersfield: $822K to buildings, the rest to people and crops.
Does Weathersfield flood? Rarely: 5 flood claims since 2011
Every paid claim on a federal flood insurance policy in Weathersfield, from FEMA’s records: 3.9 per 1,000 homes, more than 54% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene4 claims · $131K
- The Vermont/New York Flooding1 claim · $8K
Weathersfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Windsor County.7 federal disasters brought FEMA money to Weathersfield
Disasters that paid out in Weathersfield itself (aid to households or repair grants to the Town of Weathersfield), newest first, with that year’s flood claims.
- 2023Severe Storms, Flooding, Landslides, and Mudslides$1.2M to the Town of Weathersfield for repairs1 flood claim paid that year
- 2017Severe Storms and Flooding$26K to the Town of Weathersfield for repairs
- 2013Severe Storms and Flooding$189K to the Town of Weathersfield for repairs
- 2011Tropical Storm Irene$485K to the Town of Weathersfield for repairs4 flood claims paid for it, $131K
- 2007Severe Storms and Flooding$53K to the Town of Weathersfield for repairs
- 2003Severe Storms and Flooding$83K to the Town of Weathersfield for repairs
Show all 7
- 1999Tropical Storm Floyd$10K to the Town of Weathersfield for repairs
Windsor County has had 24 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Weathersfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Weathersfield archive →Weathersfield and its neighbors
Weathersfield is 2nd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Springfield | Bless damage than 59% | river and rain flooding | 5 |
| Weathersfield | Bless damage than 56% | river and rain flooding | 5 |
| West Windsor | B−less damage than 52% | river and rain flooding | 1 |
| Windsor | B−more damage than 54% | river and rain flooding | 19 |
| Claremont | Cmore damage than 65% | river and rain flooding | 23 |
| Cavendish | Cmore damage than 73% | river and rain flooding | 33 |
| Ascutney | — | 381 residents; we grade 1,000+ | |
| Baltimore | — | 361 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Weathersfield faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Weathersfield
Is Weathersfield at risk for natural disasters?
On FEMA’s National Risk Index, Weathersfield has lower expected damage per building than 56% of U.S. towns: B for hazard risk, #47 of 71 in Vermont. Most of the expected damage is river and rain flooding (88%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Weathersfield flood?
Flood insurance has paid 5 claims in Weathersfield since 2011, $139K in all, or 3.9 per 1,000 homes, more than 54% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (4).
Is Weathersfield in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Windsor County, 28% of homes in mapped flood zones carry federal flood insurance, and 1.9% of all homes do.
How much is flood insurance in Weathersfield?
FEMA’s Community Rating System list shows no discount for Weathersfield’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Weathersfield?
By FEMA money that reached Weathersfield, Severe Storms, Flooding, Landslides, and Mudslides (2023): $1.2M to the Town of Weathersfield for repairs. By flood claims, Hurricane Irene: 4 paid, $131K.
Is Weathersfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Weathersfield’s rate for it is higher than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Weathersfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Weathersfield’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.