Natural hazards · South Windsor

South Windsor, CT natural hazards

Most of the natural-hazard damage FEMA expects in South Windsor comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 17 claims here since 1984.

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

Expected damage

How exposed is South Windsor?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in South Windsor to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding78%Hurricanes7%Everything else15%

By hazard

What South Windsor faces

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

Inland flooding

78% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

7% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 6 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 South Windsor flood?

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

17paid claims since 1984

$155Kpaid to owners

2homes flooded more than once

19842026

Biggest named events

Hurricane Ida: 1 claim, $3K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. South 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: .

Around South Windsor

South Windsor and the towns around it

Very lowLowModerateHighVery high

Vernonmostly inland floodingHigh

Hartfordmostly inland floodingHigh

East Hartfordmostly inland floodingModerate

Windsormostly inland floodingModerate

Manchestermostly inland floodingModerate

Ellingtonmostly inland floodingModerate

South Windsormostly inland floodingModerate

East Windsormostly inland floodingLow

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. South Windsor covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to South Windsor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of South 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 South Windsor total about $8.7M 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.