Natural hazards · Windsor

Windsor, MA natural hazards

Most of the natural-hazard damage FEMA expects in Windsor comes from inland flooding, and overall the risk is low for a U.S. community. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Windsor?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windsor to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding67%Hurricanes9%Cold waves9%Everything else15%

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

67% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

9% of expected damage

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

Recorded about once every 13 years in the area

Cold waves

9% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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: Berkshire County.

Disasters that hit Windsor

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Windsor itself: aid to households, or repair grants to the Town of Windsor.

Brought FEMA money into WindsorDeclared for Berkshire County only

2013

Severe Winter Storm, Snowstorm, and Flooding

$10K to the Town of Windsor for repairs

2011

Severe Storm and Snowstorm

$9K to the Town of Windsor for repairs

2011

Tropical Storm Irene

1 household applied for aid $14K aid approved $98K to the Town of Windsor for repairs

2011

Severe Winter Storm and Snowstorm

$11K to the Town of Windsor for repairs

2008

Severe Winter Storm and Flooding

$172K to the Town of Windsor for repairs

2005

Severe Storms and Flooding

$48K to the Town of Windsor for repairs

2005

Record And/Or Near Record Snow

$6K to the Town of Windsor for repairs

2003

Snow

$9K to the Town of Windsor for repairs

Berkshire County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Windsor

Windsor and the towns around it

Very lowLowModerateHighVery high

Cheshiremostly inland floodingHigh

Daltonmostly inland floodingHigh

Plainfieldmostly inland floodingModerate

Cummingtonmostly inland floodingModerate

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. Windsor covers 1 census tract, combined by population.

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 Town of 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 Windsor total about $334K 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.