Windsor’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Windsor comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2013. 3 federal disasters brought FEMA money into town.
What stands out about Windsor’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Windsor?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 79% of U.S. communities, mostly from inland flooding.
Rated higher than 346 of the 481 Colorado towns we cover.
Windsor covers 7 census tracts, combined by population.
What Windsor faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Cold waves
Tornadoes
Hail
Does Windsor flood? Rarely: 3 flood claims since 2013
Every paid claim on a federal flood insurance policy in Windsor, from FEMA’s records.
- The Late summer storms1 claim · $5K
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: Weld County.3 federal disasters brought FEMA money to Windsor
Disasters that paid out in Windsor itself (aid to households or repair grants to the Town of Windsor) and its biggest flood years.
- 2013Severe Storms, Flooding, Landslides, and Mudslides14 households applied for aid$5K aid approved$8K to the Town of Windsor for repairs
- 2008Severe Storms and Tornadoes1,246 households applied for aid$316K aid approved
- 2003Snow$7K to the Town of Windsor for repairs
Weld County has had 13 natural disasters declared since 1953, most often floods and severe storms.
Old photos of Windsor after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Windsor archive →Get ready for what Windsor actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Windsor and its neighbors
Windsor has the highest rating of the 5 towns around it. Tap a town to see its hazards.
| Town | Rating | Mostly | Flood claims |
|---|---|---|---|
| Windsor | High | inland flooding | 3 |
| Severance | Moderate | inland flooding | 0 |
| Greeley | Low | inland flooding | 9 |
| Fort Collins | Low | inland flooding | 37 |
| Loveland | Low | inland flooding | 20 |
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
Most disasters here begin in April–May
The month each of Weld County’s 13 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Windsor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Windsor.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Windsor, expected losses total about $11.9M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Windsor.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.