Natural hazards · Windham

Windham, CT natural hazards

Most of the natural-hazard damage FEMA expects in Windham comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 2005.

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

Expected damage

How exposed is Windham?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windham to be higher than in 75% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding74%Hurricanes16%Everything else10%

By hazard

What Windham faces

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

Inland flooding

74% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

16% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 6 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Windham flood?

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

2paid claims since 2005

$243Kpaid to owners

0homes flooded more than once

20052026

Biggest named events

Hurricane Elsa: 1 claim, $210K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Windham 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 Windham

Windham and the towns around it

Very lowLowModerateHighVery high

Windhammostly inland floodingHigh

Chaplinmostly inland floodingHigh

Scotlandmostly inland floodingModerate

Franklinmostly inland floodingModerate

Coventrymostly inland floodingModerate

Lebanonmostly inland floodingModerate

Columbiamostly inland floodingLow

Mansfieldmostly 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. Windham covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Windham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Windham. 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 Windham total about $9.1M 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.