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Woodstock foliage1920Photo: Jsbillin · CC BY-SA 4.0
–Not graded
Natural hazards in Woodstock · FEMA

Storms, floods and disasters in Woodstock

Woodstock isn’t graded for hazard risk: Woodstock has 936 residents; we grade towns of 1,000 or more. Flood insurance has paid 33 claims here since 1987.

Flood claims
33
paid since 1987 · $1.9M
Disasters paid out here
3
of 24 declared for Windsor County
By hazard

What Woodstock 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

92%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Hurricanes Earthquakes Strong wind Tornadoes Ice storms Winter storms Landslides top 3% Lightning Hail Wildfire 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.
Flood insurance claims

Does Woodstock flood? Sometimes: 33 flood claims since 1987

Every paid claim on a federal flood insurance policy in Woodstock, from FEMA’s records.

Paid flood claims, by year
1987: 1 claim1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 0 claims1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 24 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 8 claims2024: 0 claims2025: 0 claims2026: 0 claims198720112023
19872026
Biggest named events
  • Hurricane Irene24 claims · $1.6M
  • The Vermont/New York Flooding8 claims · $227K
33
paid claims since 1987
$1.9M
paid to owners
0
homes flooded more than once
$56K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Woodstock 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
3flood-prone properties bought out and cleared
1home raised above flood level
Disasters

3 federal disasters brought FEMA money to Woodstock

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

  1. 2023Severe Storms, Flooding, Landslides, and Mudslides83 households applied for aid$215K aid approved8 flood claims paid that year
  2. 2011Tropical Storm Irene200 households applied for aid$912K aid approved$94K to the Village of Woodstock for repairs24 flood claims paid for it, $1.6M
  3. 2001Snow$2K to the Village of Woodstock for repairs
Disasters declared, by decade
Paid out in WoodstockWindsor 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 Woodstock after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Woodstock archive →
Be ready

Get ready for what Woodstock 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 Woodstock

Does Woodstock flood?

Flood insurance has paid 33 claims in Woodstock since 1987, $1.9M in all. The most claims came from Hurricane Irene (24).

Is Woodstock 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 Woodstock?

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

By FEMA money that reached Woodstock, Tropical Storm Irene (2011): 200 households applied for aid, $912K approved, and $94K to the Village of Woodstock for repairs. By flood claims, Hurricane Irene: 24 paid, $1.6M.

Storm stories

Memories, warnings and help from neighbors in Woodstock.

Town Square →
Start the conversation

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