Natural hazards · Windsor

Windsor, MN natural hazards

Most of the natural-hazard damage FEMA expects in Windsor comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Windsor?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windsor to be higher than in 53% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding48%Cold waves18%Hail13%Strong wind11%Tornadoes6%Everything else5%

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

48% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

Above average · higher than 65% of U.S. places

Recorded about 14 times a year in the area

Hail

13% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 4 times a year in the area

Strong wind

11% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 5 years in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic 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: Traverse County.

Disasters that hit Windsor

Federal disasters declared here

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

Brought FEMA money into WindsorDeclared for Traverse County only

Traverse County has had 20 natural disasters declared since 1953, most often floods and severe storms.

Around Windsor

Windsor and the towns around it

Very lowLowModerateHighVery high

Windsormostly inland floodingModerate

Wallsmostly inland floodingModerate

Arthurmostly inland floodingModerate

Bryantmostly inland floodingModerate

Harmonmostly inland floodingModerate

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.