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Natural hazards · Windsor

Windsor, NY 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. Flood insurance has paid 43 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

How exposed is Windsor?

76
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windsor to be higher than in 76% of U.S. communities, mostly from inland flooding.

Inland flooding87%Everything else13%
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

87% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat 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?

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

43paid claims since 1978
$1.4Mpaid to owners
8homes flooded more than once
19782026

Biggest named events

  • Tropical Storm Lee: 14 claims, $780K
  • Hurricane Irene: 3 claims, $25K
  • Torrential rain: 1 claim, $27K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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: Broome County.
Disasters that hit Windsor

10 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 Broome County only
2018

Severe Storms and Flooding

$310K to the Town of Windsor for repairs
2017

Severe Winter Storm and Snowstorm

$33K to the Town of Windsor for repairs
2013

Severe Storms and Flooding

$373K to the Town of Windsor for repairs
2011

Remnants of Tropical Storm Lee

$45K to the Town of Windsor for repairs
2006

Severe Storms and Flooding

$4.6M to the Town of Windsor for repairs
2005

Severe Storms and Flooding

$304K to the Town of Windsor for repairs
2004

Tropical Depression Ivan

$60K to the Town of Windsor for repairs
2004

Severe Storms and Flooding

$326K to the Town of Windsor for repairs
2003

Snow

$15K to the Town of Windsor for repairs
2002

Snowstorms

$44K to the Town of Windsor for repairs
Broome County has had 23 natural disasters declared since 1953, most often floods and severe storms.
Around Windsor

Windsor and the towns around it

Colesville: High, mostly inland floodingKirkwood: Moderate, mostly inland floodingSanford: High, mostly inland floodingFenton: Moderate, mostly inland floodingAfton: Very high, mostly inland floodingCoventry: Very high, mostly inland floodingGreene: High, mostly inland floodingConklin: High, mostly inland floodingBinghamton: Moderate, mostly inland floodingDickinson: Very low, mostly inland floodingDeposit: Very high, mostly inland floodingMasonville: High, mostly inland floodingWindsor: High, mostly inland flooding WindsorColesvilleKirkwoodSanford
Very lowLowModerateHighVery high
Colesvillemostly inland floodingHigh
Sanfordmostly inland floodingHigh
Windsormostly inland floodingHigh
Kirkwoodmostly 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 covers 2 census tracts, 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 $2.6M 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.

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