Natural hazards · Windsor

Windsor, OH natural hazards

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

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

Expected damage

How exposed is Windsor?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windsor to be higher than in 81% 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 94% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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?

FEMA's records show no paid flood insurance claims in Windsor.

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: Morgan County.

Disasters that hit Windsor

Federal disasters declared here

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

Brought FEMA money into WindsorDeclared for Morgan County only

Morgan County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Windsor

Windsor and the towns around it

Very lowLowModerateHighVery high

Windsormostly inland floodingVery high

Meigsvillemostly inland floodingVery high

Centermostly inland floodingVery high

Morganmostly inland floodingHigh

Waterfordmostly inland floodingHigh

Palmermostly inland floodingHigh

Watertownmostly inland floodingHigh

Pennmostly inland floodingHigh

Marionmostly inland floodingHigh

Maltamostly inland floodingModerate

Wesleymostly inland floodingVery low

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.