Natural hazards · New Windsor

New Windsor, MD natural hazards

Most of the natural-hazard damage FEMA expects in New Windsor comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2018. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is New Windsor?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in New Windsor to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding59%Drought9%Strong wind9%Hurricanes7%Everything else15%

By hazard

What New Windsor faces

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

Inland flooding

59% of expected damage

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

Recorded about 3 times a year in the area

Drought

9% of expected damage

Recorded about 6 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 8 times a year in the area

Hurricanes

7% of expected damage

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

Recorded about once every 11 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 New Windsor flood?

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

1paid claims since 2018

$4Kpaid to owners

0homes flooded more than once

20182026

of homes in flood zones
are insured

of all homes
are insured

No community discount. New 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: Carroll County.

Disasters that hit New Windsor

5 federal disasters brought FEMA money here

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

Brought FEMA money into New WindsorDeclared for Carroll County only

2016

Severe Winter Storm and Snowstorm

$10K to the Town of New Windsor for repairs

2014

Snowstorm

$9K to the Town of New Windsor for repairs

2012

Hurricane Sandy

$1K to the Town of New Windsor for repairs

2010

Severe Winter Storms and Snowstorms

$12K to the Town of New Windsor for repairs

2003

Hurricane Isabel

6 households applied for aid $2K aid approved $4K to the Town of New Windsor for repairs

Carroll County has had 16 natural disasters declared since 1953, most often winter storms and floods.

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. New 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 New Windsor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of New 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.