Natural hazards · Windsor

Windsor, CA natural hazards

Most of the natural-hazard damage FEMA expects in Windsor comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 2 claims here since 2005. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Windsor?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windsor to be higher than in 94% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes53%Inland flooding46%

By hazard

What Windsor faces

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

Earthquakes

53% of expected damage

Well above average · higher than 97% of U.S. places

Inland flooding

46% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 3 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireLandslidesStrong windLightningVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtAvalanchesTsunamis

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 Windsor flood?

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

2paid claims since 2005

$45Kpaid to owners

0homes flooded more than once

20052026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Windsor isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Sonoma County.

Disasters that hit Windsor

3 federal disasters brought FEMA money here

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

Brought FEMA money into WindsorDeclared for Sonoma County only

2020

Wildfires

60 households applied for aid $4K aid approved $20K to the Town of Windsor for repairs

2017

Wildfires

215 households applied for aid $20K aid approved $25K to the Town of Windsor for repairs

2005

Severe Storms, Flooding, Mudslides, and Landslides

6 households applied for aid $26K aid approved

Sonoma County has had 29 natural disasters declared since 1953, most often floods and severe storms.

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. Windsor covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Windsor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Windsor. 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 Windsor total about $10.7M 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.