Natural hazards · Windsor Locks

Windsor Locks, CT natural hazards

Most of the natural-hazard damage FEMA expects in Windsor Locks comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1984.

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

Expected damage

How exposed is Windsor Locks?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windsor Locks to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding74%Earthquakes6%Hurricanes6%Everything else14%

By hazard

What Windsor Locks 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

Above average · higher than 55% of U.S. places

Recorded about 4 times a year in the area

Earthquakes

6% of expected damage

Above average · higher than 63% of U.S. places

Hurricanes

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 8 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Windsor Locks flood?

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

7paid claims since 1984

$166Kpaid to owners

1homes flooded more than once

19842026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Windsor Locks 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 Windsor Locks

Windsor Locks and the towns around it

Very lowLowModerateHighVery high

Suffieldmostly inland floodingHigh

Enfieldmostly inland floodingHigh

Windsormostly inland floodingModerate

East Granbymostly inland floodingLow

East Windsormostly inland floodingLow

Windsor Locksmostly 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. Windsor Locks covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Windsor Locks’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Windsor Locks. 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 Locks total about $3.5M 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.