Guest, Sign inJoin

Post to West Windsor

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
West Windsor VT 9-12-26Photo: Ascended Dreamer · CC BY-SA 4.0
B−Hazard risk
Natural hazards in West Windsor · FEMA

On FEMA’s figures, West Windsor faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, West Windsor gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 1 claim here since 2011.

River and rain flooding 90%Hurricanes 4%Strong wind 1%

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

less than 52%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B−
in Vermont · lower than 52% of U.S. towns
Main hazard
River and rain flooding
90% of expected building damage
Flood claims
1
paid since 2011 · $18K
Disasters paid out here
3
of 24 declared for Windsor County
By hazard

What West Windsor 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

90%of expected building damage
Above average · higher than 71% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Hurricanes Strong wind Tornadoes Earthquakes Ice storms Winter storms Landslides top 3% Lightning Wildfire Hail Cold waves Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind West Windsor’s grade

River and rain flooding is 90% of the building damage FEMA expects in West Windsor, and West Windsor’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts.

Where West Windsor sits
West Windsor
Least damageMiddleMost damage

B− lower expected damage per building than 52% of U.S. towns (21,298).

All of West Windsor’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding90%Hurricanes4%Everything else6%

In dollars, FEMA expects about $644K a year in losses across West Windsor: $553K to buildings, the rest to people and crops.

Shared tract.All of West Windsor’s 1,344 residents (2020 census) live in one census tract, which it shares with Reading town (687 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does West Windsor flood? Rarely: 1 flood claim since 2011

Every paid claim on a federal flood insurance policy in West Windsor, from FEMA’s records: 1.3 per 1,000 homes, fewer than 72% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2011
20112026
Biggest named events
  • Hurricane Irene1 claim · $18K
1
paid claims since 2011
$18K
paid to owners
0
homes flooded more than once
$18K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

West Windsor 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.
What’s been done with FEMA grants
2flood-prone properties bought out and cleared
Disasters

3 federal disasters brought FEMA money to West Windsor

Disasters that paid out in West Windsor itself (aid to households or repair grants to the Town of West Windsor), newest first, with that year’s flood claims.

  1. 2023Severe Storms, Flooding, Landslides, and Mudslides3 households applied for aid$700 aid approved$98K to the Town of West Windsor for repairs
  2. 2013Severe Storms and Flooding$102K to the Town of West Windsor for repairs
  3. 2011Tropical Storm Irene13 households applied for aid$47K aid approved$668K to the Town of West Windsor for repairs1 flood claim paid for it, $18K
Disasters declared, by decade
Paid out in West WindsorWindsor County only

Windsor County has had 24 natural disasters declared by the President since 1953, most often severe storms, then floods.

Were you here?

Old photos of West Windsor after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the West Windsor archive →
Next door

West Windsor and its neighbors

West Windsor is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Reading: not gradedWindsor: hazard risk B−Weathersfield: hazard risk BHartland: hazard risk B+ReadingWindsorWeathersfieldHartlandWest Windsor
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
HartlandB+less damage than 68%river and rain flooding2
WeathersfieldBless damage than 56%river and rain flooding5
West WindsorB−less damage than 52%river and rain flooding1
WindsorB−more damage than 54%river and rain flooding19
Reading—699 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.

Be ready

Get ready for what West Windsor faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in West Windsor

Is West Windsor at risk for natural disasters?

On FEMA’s National Risk Index, West Windsor has lower expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (90%). 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 West Windsor flood?

Flood insurance has paid 1 claim in West Windsor since 2011, $18K in all, or 1.3 per 1,000 homes, fewer than 72% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (1).

Is West Windsor 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 West Windsor?

FEMA’s Community Rating System list shows no discount for West Windsor’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 West Windsor?

By FEMA money that reached West Windsor, Tropical Storm Irene (2011): 13 households applied for aid, $47K approved, and $668K to the Town of West Windsor for repairs. By flood claims, Hurricane Irene: 1 paid, $18K.

Is West Windsor at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (90%), and West Windsor’s rate for it is higher than 71% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in West Windsor.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where West Windsor’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.