Natural hazards · Andover

Andover, VT natural hazards

Most of the natural-hazard damage FEMA expects in Andover comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1984. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Andover?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Andover to be higher than in 37% of U.S. communities, mostly from inland flooding.

Inland flooding76%Everything else24%

By hazard

What Andover faces

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

Inland flooding

76% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Andover flood?

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

3paid claims since 1984

$41Kpaid to owners

0homes flooded more than once

19842026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Andover 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

1flood-prone properties bought out and cleared

Disasters that hit Andover

6 federal disasters brought FEMA money here

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

Brought FEMA money into AndoverDeclared for Windsor County only

2023

Severe Storms, Flooding, Landslides, and Mudslides

17 households applied for aid $191K aid approved $1.0M to the Town of Andover for repairs

2019

Severe Storms and Flooding

$17K to the Town of Andover for repairs

2011

Tropical Storm Irene

14 households applied for aid $31K aid approved $267K to the Town of Andover for repairs

2007

Severe Storms and Flooding

$23K to the Town of Andover for repairs

2003

Severe Storms and Flooding

$1K to the Town of Andover for repairs

2001

Snow

$5K to the Town of Andover for repairs

Windsor County has had 23 natural disasters declared since 1953, most often severe storms and floods.

Around Andover

Andover and the towns around it

Very lowLowModerateHighVery high

Chestermostly inland floodingHigh

Windhammostly inland floodingHigh

Ludlowmostly inland floodingModerate

Andovermostly inland floodingLow

Westonmostly inland floodingLow

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. Andover is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.