Natural hazards · Windsor

Windsor, MO 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. Flood insurance has paid 3 claims here since 1983. 4 federal disasters brought FEMA money into town.

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 41% of U.S. communities, mostly from inland flooding.

Inland flooding50%Tornadoes14%Cold waves8%Heat waves8%Strong wind7%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

50% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 78% of U.S. places

Cold waves

8% of expected damage

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

Recorded about 2 times a year in the area

Heat waves

8% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 14 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightningDrought

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?

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

3paid claims since 1983

$48Kpaid to owners

1homes flooded more than once

19832026

Biggest named events

Hurricane Ike: 1 claim, $20K

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 isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Henry County.

Disasters that hit Windsor

4 federal disasters brought FEMA money here

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

Brought FEMA money into WindsorDeclared for Henry County only

2011

Severe Winter Storm and Snowstorm

$13K to the City of Windsor for repairs

2006

Severe Storms, Tornadoes and Flooding

11 households applied for aid $7K aid approved

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid $2K aid approved

2002

Severe Winter Ice Storm

$10K to the City of Windsor for repairs

Henry County has had 17 natural disasters declared since 1953, most often severe storms and ice storms.

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 City 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 $1.3M 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.