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Natural hazards · Wilmington

Wilmington, VT natural hazards

Most of the natural-hazard damage FEMA expects in Wilmington comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 42 claims here since 1980. 6 federal disasters brought FEMA money into town.

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

How exposed is Wilmington?

44
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Wilmington to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding76%Cold waves9%Hurricanes6%Everything else10%
By hazard

What Wilmington faces

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

Inland flooding

76% of expected damage
Above average · higher than 68% of U.S. places
Recorded about 2 times a year in the area

Cold waves

9% 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

Lower here

TornadoesHailIce stormsWinter weatherHeat 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 Wilmington flood?

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

42paid claims since 1980
$3.2Mpaid to owners
2homes flooded more than once
19802026

Biggest named events

  • Hurricane Irene: 28 claims, $3.1M

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. Wilmington 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

2buildings floodproofed
2flood-prone properties bought out and cleared
Disasters that hit Wilmington

6 federal disasters brought FEMA money here

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

Brought FEMA money into WilmingtonDeclared for Windham County only
2023

Severe Storms, Flooding, Landslides, and Mudslides

6 households applied for aid $15K aid approved $84K to the Town of Wilmington for repairs
2011

Tropical Storm Irene

240 households applied for aid $373K aid approved $1.4M to the Town of Wilmington for repairs
2008

Severe Winter Storm

$84K to the Town of Wilmington for repairs
2007

Severe Storms and Flooding

$159K to the Town of Wilmington for repairs
2001

Snow

$7K to the Town of Wilmington for repairs
2000

Severe Storms and Flooding

$52K to the Town of Wilmington for repairs
Windham County has had 21 natural disasters declared since 1953, most often severe storms and floods.
Around Wilmington

Wilmington and the towns around it

Searsburg: High, mostly inland floodingWhitingham: Low, mostly inland floodingDover: Very low, mostly inland floodingReadsboro: High, mostly inland floodingWoodford: High, mostly inland floodingHalifax: Low, mostly inland floodingNewfane: High, mostly inland floodingMarlboro: Low, mostly inland floodingWardsboro: Very low, mostly inland floodingStratton: Very low, mostly inland floodingStamford: High, mostly inland floodingWilmington: Moderate, mostly inland flooding WilmingtonSearsburgWhitinghamDoverReadsboro
Very lowLowModerateHighVery high
Searsburgmostly inland floodingHigh
Readsboromostly inland floodingHigh
Wilmingtonmostly inland floodingModerate
Whitinghammostly inland floodingLow
Dovermostly inland floodingVery low
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. Wilmington covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Wilmington’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Wilmington. 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 Wilmington total about $1.6M 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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