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Natural hazards · Cavendish

Cavendish, VT natural hazards

Most of the natural-hazard damage FEMA expects in Cavendish comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 33 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

How exposed is Cavendish?

67
High
vs. U.S. communities

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

Inland flooding81%Everything else19%
By hazard

What Cavendish faces

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

Inland flooding

81% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce 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 Cavendish flood?

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

33paid claims since 1979
$2.3Mpaid to owners
0homes flooded more than once
19792026

Biggest named events

  • Vermont/New York Flooding: 18 claims, $1.8M
  • Hurricane Irene: 13 claims, $554K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Cavendish 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.
Disasters that hit Cavendish

6 federal disasters brought FEMA money here

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

Brought FEMA money into CavendishDeclared for Windsor County only
2023

Severe Storms, Flooding, Landslides, and Mudslides

42 households applied for aid $180K aid approved $2.4M to the Town of Cavendish for repairs
2011

Tropical Storm Irene

50 households applied for aid $208K aid approved $3.4M to the Town of Cavendish for repairs
2007

Severe Storms and Flooding

$36K to the Town of Cavendish for repairs
2003

Severe Storms and Flooding

$73K to the Town of Cavendish for repairs
2001

Snow

$6K to the Town of Cavendish for repairs
2000

Severe Storms and Flooding

$27K to the Town of Cavendish for repairs
Windsor County has had 23 natural disasters declared since 1953, most often severe storms and floods.
Around Cavendish

Cavendish and the towns around it

Baltimore: High, mostly inland floodingReading: Moderate, mostly inland floodingLudlow: Moderate, mostly inland floodingWeathersfield: Moderate, mostly inland floodingWest Windsor: Moderate, mostly inland floodingPlymouth: High, mostly inland floodingWoodstock: High, mostly inland floodingBridgewater: High, mostly inland floodingMount Holly: Moderate, mostly inland floodingChester: High, mostly inland floodingAndover: Low, mostly inland floodingClaremont: High, mostly inland floodingSpringfield: Low, mostly inland floodingWindsor: Moderate, mostly inland floodingCavendish: High, mostly inland flooding CavendishBaltimoreReadingLudlowWeathersfield
Very lowLowModerateHighVery high
Cavendishmostly inland floodingHigh
Baltimoremostly inland floodingHigh
Ludlowmostly inland floodingModerate
Readingmostly inland floodingModerate
Weathersfieldmostly 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. Cavendish covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Cavendish’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Cavendish. 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 Cavendish total about $911K 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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