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Natural hazards · Whitingham

Whitingham, VT natural hazards

Most of the natural-hazard damage FEMA expects in Whitingham comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 12 claims here since 2000. 7 federal disasters brought FEMA money into town.

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

How exposed is Whitingham?

30
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Whitingham to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding64%Cold waves15%Hurricanes6%Tornadoes6%Everything else9%
By hazard

What Whitingham faces

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

Inland flooding

64% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 2 times a year in the area

Cold waves

15% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

6% of expected damage
Above average · higher than 72% of U.S. places
Recorded about once every 14 years in the area

Tornadoes

6% of expected damage
Above average · higher than 51% of U.S. places

Lower here

HailIce stormsWinter weatherHeat 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 Whitingham flood?

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

12paid claims since 2000
$163Kpaid to owners
1homes flooded more than once
20002026

Biggest named events

  • Hurricane Irene: 9 claims, $152K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Whitingham isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Windham County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
Disasters that hit Whitingham

7 federal disasters brought FEMA money here

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

Brought FEMA money into WhitinghamDeclared for Windham County only
2023

Severe Storms, Flooding, Landslides, and Mudslides

1 household applied for aid
2011

Tropical Storm Irene

34 households applied for aid $88K aid approved $932K to the Town of Whitingham for repairs
2008

Severe Winter Storm

$215K to the Town of Whitingham for repairs
2007

Severe Storms and Flooding

$118K to the Town of Whitingham for repairs
2003

Severe Storms and Flooding

$27K to the Town of Whitingham for repairs
2001

Snow

$7K to the Town of Whitingham for repairs
2000

Severe Storms and Flooding

$92K to the Town of Whitingham for repairs
Windham County has had 21 natural disasters declared since 1953, most often severe storms and floods.
Around Whitingham

Whitingham and the towns around it

Readsboro: High, mostly inland floodingWilmington: Moderate, mostly inland floodingHalifax: Low, mostly inland floodingStamford: High, mostly inland floodingSearsburg: High, mostly inland floodingDover: Very low, mostly inland floodingGuilford: Moderate, mostly inland floodingColrain: High, mostly inland floodingMarlboro: Low, mostly inland floodingWhitingham: Low, mostly inland flooding WhitinghamReadsboroWilmingtonHalifax
Very lowLowModerateHighVery high
Readsboromostly inland floodingHigh
Wilmingtonmostly inland floodingModerate
Halifaxmostly inland floodingLow
Whitinghammostly 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. Whitingham covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Whitingham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Whitingham. 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 Whitingham total about $547K 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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