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Natural hazards · Hartland

Hartland, VT natural hazards

Most of the natural-hazard damage FEMA expects in Hartland comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2011. 6 federal disasters brought FEMA money into town.

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

How exposed is Hartland?

32
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartland to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding68%Cold waves9%Heat waves7%Everything else16%
By hazard

What Hartland faces

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

Inland flooding

68% of expected damage
Above average · higher than 58% of U.S. places
Recorded about once a year in the area

Cold waves

9% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 3 times a year in the area

Heat waves

7% 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 Hartland flood?

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

2paid claims since 2011
$7Kpaid to owners
0homes flooded more than once
20112026

Biggest named events

  • Hurricane Irene: 1 claim, $2K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Hartland 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 Hartland

6 federal disasters brought FEMA money here

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

Brought FEMA money into HartlandDeclared for Windsor County only
2023

Severe Storms, Flooding, Landslides, and Mudslides

22 households applied for aid $81K aid approved $115K to the Town of Hartland for repairs
2019

Severe Storms and Flooding

$153K to the Town of Hartland for repairs
2017

Severe Storms and Flooding

$71K to the Town of Hartland for repairs
2013

Severe Storms and Flooding

$187K to the Town of Hartland for repairs
2011

Tropical Storm Irene

29 households applied for aid $80K aid approved $156K to the Town of Hartland for repairs
2001

Snow

$4K to the Town of Hartland for repairs
Windsor County has had 23 natural disasters declared since 1953, most often severe storms and floods.
Around Hartland

Hartland and the towns around it

Plainfield: High, mostly inland floodingWoodstock: High, mostly inland floodingHartford: Low, mostly inland floodingLebanon: High, mostly inland floodingWest Windsor: Moderate, mostly inland floodingWindsor: Moderate, mostly inland floodingCornish: High, mostly inland floodingGrantham: High, mostly inland floodingPomfret: Moderate, mostly inland floodingReading: Moderate, mostly inland floodingBridgewater: High, mostly inland floodingNorwich: High, mostly inland floodingEnfield: High, mostly inland floodingHanover: Moderate, mostly inland floodingWeathersfield: Moderate, mostly inland floodingHartland: Low, mostly inland flooding HartlandPlainfieldWoodstockHartfordLebanonWest WindsorWindsor
Very lowLowModerateHighVery high
Lebanonmostly inland floodingHigh
Plainfieldmostly inland floodingHigh
Woodstockmostly inland floodingHigh
Windsormostly inland floodingModerate
West Windsormostly 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. Hartland covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hartland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hartland. 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 Hartland total about $947K 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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