For its antonym, m-w windfall page lists affliction, bane, curse, evil, plague, scourge but i think all do not fit so well.
"windfall" means some good things came free in surprise, such as a fortune inherited by surprise from a remote relative…
"afflicction", "bane", etc.. seem mean "bad things" but not cover the "by surprise" part…
Best Answer
The closest I can come is stroke of misfortune (for which stroke of luck is a second antonym, along with your query word windfall).