Natural hazards · Windham

Windham, NY natural hazards

Most of the natural-hazard damage FEMA expects in Windham comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 45 claims here since 1999. 9 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Windham?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windham to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding85%Hurricanes7%Everything else8%

By hazard

What Windham faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

85% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

7% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 19 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic activity

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 Windham flood?

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

45paid claims since 1999

$2.8Mpaid to owners

1homes flooded more than once

19992026

Biggest named events

Hurricane Irene: 37 claims, $2.7M
Hurricane Floyd: 1 claim, $32K
December Nor'easter: 1 claim, $7K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Windham isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Greene County.

What’s been done with FEMA grants

1homes raised above flood level

Disasters that hit Windham

9 federal disasters brought FEMA money here

Disasters the President declared that paid out in Windham itself: aid to households, or repair grants to the Town of Windham.

Brought FEMA money into WindhamDeclared for Greene County only

2017

Severe Winter Storm and Snowstorm

$19K to the Town of Windham for repairs

2012

Hurricane Sandy

$272K to the Town of Windham for repairs

2011

Hurricane Irene

252 households applied for aid $582K aid approved $2.6M to the Town of Windham for repairs

2008

Severe Winter Storm

$66K to the Town of Windham for repairs

2007

Severe Storms and Inland and Coastal Flooding

$38K to the Town of Windham for repairs

2005

Severe Storms and Flooding

$77K to the Town of Windham for repairs

2003

Snow

$6K to the Town of Windham for repairs

2002

Snowstorms

$16K to the Town of Windham for repairs

1999

Hurricane Floyd Major Disaster Declarations

$163K to the Town of Windham for repairs

Greene County has had 22 natural disasters declared since 1953, most often severe storms and winter storms.

Around Windham

Windham and the towns around it

Very lowLowModerateHighVery high

Ashlandmostly inland floodingVery high

Jewettmostly inland floodingHigh

Windhammostly inland floodingHigh

Conesvillemostly inland floodingModerate

Cairomostly inland floodingModerate

Durhammostly inland floodingModerate

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Windham covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Windham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Windham. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Windham total about $2.2M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.