Natural hazards · Windsor

Windsor, IL natural hazards

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.

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

Expected damage

How exposed is Windsor?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windsor to be higher than in 72% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves23%Drought14%Earthquakes9%Everything else14%

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.

Inland flooding

41% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 2 times a year in the area

Cold waves

23% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Drought

14% of expected damage

Recorded about 2 times a year in the area

Earthquakes

9% of expected damage

Well above average · higher than 80% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

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 Windsor flood?

FEMA's records show no paid flood insurance claims in Windsor.

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: Shelby County.

Disasters that hit Windsor

Federal disasters declared here

None of the disasters declared for Shelby County shows FEMA aid or repair money reaching Windsor itself in FEMA’s records.

Brought FEMA money into WindsorDeclared for Shelby County only

Shelby County has had 8 natural disasters declared since 1953, most often tornadoes and winter storms.

Around Windsor

Windsor and the towns around it

Very lowLowModerateHighVery high

Whitleymostly inland floodingHigh

Windsormostly inland floodingHigh

Richlandmostly inland floodingHigh

Windsormostly inland floodingHigh

Ash Grovemostly inland floodingHigh

Sullivanmostly inland floodingHigh

Okawmostly inland floodingHigh

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 is smaller than a census tract, so it shares the figures of the tract around its center.

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 Township of Windsor. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.