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Natural hazards · Hartford

Hartford, VT natural hazards

Most of the natural-hazard damage FEMA expects in Hartford comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 17 claims here since 2011. 7 federal disasters brought FEMA money into town.

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

How exposed is Hartford?

33
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartford to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding70%Cold waves8%Heat waves6%Everything else16%
By hazard

What Hartford faces

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

Inland flooding

70% of expected damage
Above average · higher than 59% of U.S. places
Recorded about once a year in the area

Cold waves

8% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 3 times a year in the area

Heat waves

6% of expected damage
Well below average · higher than 8% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Hartford flood?

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

17paid claims since 2011
$1.6Mpaid to owners
0homes flooded more than once
20112026

Biggest named events

  • Hurricane Irene: 15 claims, $1.4M
  • Vermont/New York Flooding: 2 claims, $193K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Hartford 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

6flood-prone properties bought out and cleared
Disasters that hit Hartford

7 federal disasters brought FEMA money here

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

Brought FEMA money into HartfordDeclared for Windsor County only
2023

Severe Storms, Flooding, Landslides, and Mudslides

4 households applied for aid $8K aid approved $241K to the Town of Hartford for repairs
2019

Severe Storms and Flooding

$33K to the Town of Hartford for repairs
2017

Severe Storms and Flooding

$216K to the Town of Hartford for repairs
2011

Tropical Storm Irene

19 households applied for aid $42K aid approved $2.1M to the Town of Hartford for repairs
2007

Severe Storms and Flooding

$8K to the Town of Hartford for repairs
2003

Severe Storms and Flooding

$5K to the Town of Hartford for repairs
2001

Snow

$14K to the Town of Hartford for repairs
Windsor County has had 23 natural disasters declared since 1953, most often severe storms and floods.
Around Hartford

Hartford and the towns around it

Lebanon: High, mostly inland floodingPomfret: Moderate, mostly inland floodingWoodstock: High, mostly inland floodingHartland: Low, mostly inland floodingNorwich: High, mostly inland floodingEnfield: High, mostly inland floodingHanover: Moderate, mostly inland floodingPlainfield: High, mostly inland floodingSharon: Moderate, mostly inland floodingBarnard: Moderate, mostly inland floodingRoyalton: Moderate, mostly inland floodingBridgewater: High, mostly inland floodingReading: Moderate, mostly inland floodingWest Windsor: Moderate, mostly inland floodingWindsor: Moderate, mostly inland floodingThetford: Moderate, mostly inland floodingLyme: Very high, mostly inland floodingHartford: Low, mostly inland flooding HartfordLebanonPomfretWoodstockHartlandNorwich
Very lowLowModerateHighVery high
Lebanonmostly inland floodingHigh
Woodstockmostly inland floodingHigh
Norwichmostly inland floodingHigh
Pomfretmostly inland floodingModerate
Hartfordmostly inland floodingLow
Hartlandmostly 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. Hartford covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Hartford’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hartford. 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 Hartford total about $3.2M 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.

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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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