Is Windsor County, VT in a flood zone?
FEMA's National Risk Index puts Windsor County's flood hazard at the 76.7th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.4 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Windsor County
28.1% of the homes FEMA requires to carry flood insurance in Windsor County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 297 policies against 1,057 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Windsor County, not just the ones FEMA mandates, 1.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Windsor County against the rest of the country
Windsor County sits at rank 766 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 915 of 3144 by population (1 is biggest). Windsor County, Vermont is home to about 57,697 people across 969.144 square miles of land.
What to do next if you own or are buying in Windsor County
FEMA counts 25,732 residential structures in Windsor County overall, 488 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Windsor County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.