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Natural hazards · Ludlow

Ludlow, VT natural hazards

Most of the natural-hazard damage FEMA expects in Ludlow comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 49 claims here since 1987. 5 federal disasters brought FEMA money into town.

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

How exposed is Ludlow?

54
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ludlow to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding83%Everything else17%
By hazard

What Ludlow faces

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

Inland flooding

83% of expected damage
Well above average · higher than 77% 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 Ludlow flood?

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

49paid claims since 1987
$3.3Mpaid to owners
3homes flooded more than once
19872026

Biggest named events

  • Hurricane Irene: 28 claims, $1.6M
  • Vermont/New York Flooding: 17 claims, $1.5M
  • December Nor'easter: 1 claim, $12K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Ludlow 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 Ludlow

5 federal disasters brought FEMA money here

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

Brought FEMA money into LudlowDeclared for Windsor County only
2023

Severe Storms, Flooding, Landslides, and Mudslides

$3.7M to the Town of Ludlow for repairs
2019

Severe Storms and Flooding

$118K to the Town of Ludlow for repairs
2011

Tropical Storm Irene

$2.0M to the Town of Ludlow for repairs
2007

Severe Storms and Flooding

$12K to the Town of Ludlow for repairs
2001

Snow

$13K to the Town of Ludlow for repairs
Windsor County has had 23 natural disasters declared since 1953, most often severe storms and floods.
Around Ludlow

Ludlow and the towns around it

Mount Holly: Moderate, mostly inland floodingPlymouth: High, mostly inland floodingCavendish: High, mostly inland floodingChester: High, mostly inland floodingAndover: Low, mostly inland floodingWallingford: Moderate, mostly inland floodingShrewsbury: Very low, mostly inland floodingWeston: Low, mostly inland floodingMount Tabor: Moderate, mostly inland floodingBridgewater: High, mostly inland floodingReading: Moderate, mostly inland floodingMendon: Very low, mostly inland floodingBaltimore: High, mostly inland floodingWeathersfield: Moderate, mostly inland floodingSpringfield: Low, mostly inland floodingWindham: High, mostly inland floodingGrafton: High, mostly inland floodingLudlow: Moderate, mostly inland flooding LudlowMount HollyPlymouthCavendishChesterAndover
Very lowLowModerateHighVery high
Chestermostly inland floodingHigh
Plymouthmostly inland floodingHigh
Cavendishmostly inland floodingHigh
Ludlowmostly inland floodingModerate
Mount Hollymostly inland floodingModerate
Andovermostly 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. Ludlow covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Ludlow’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Ludlow. 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 Ludlow total about $1.7M 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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You’re in Ludlow, VTWindsor CountyView boundary

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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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