Natural hazards · Lower Windsor

Lower Windsor, PA natural hazards

Most of the natural-hazard damage FEMA expects in Lower Windsor comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 118 claims here since 1978.

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

Expected damage

How exposed is Lower Windsor?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lower Windsor to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding66%Hurricanes15%Everything else20%

By hazard

What Lower Windsor faces

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

Inland flooding

66% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

15% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 11 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Lower Windsor flood?

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

118paid claims since 1978

$1.8Mpaid to owners

8homes flooded more than once

19782026

Biggest named events

Not a named storm: 23 claims, $70K
Tropical Storm Lee: 2 claims, $10K
Tropical Storm Ivan: 1 claim, $9K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Lower 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: York County.

Disasters that hit Lower Windsor

Federal disasters declared here

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

Brought FEMA money into Lower WindsorDeclared for York County only

York County has had 18 natural disasters declared since 1953, most often hurricanes and floods.

Around Lower Windsor

Lower Windsor and the towns around it

Very lowLowModerateHighVery high

Manormostly inland floodingModerate

Hellammostly inland floodingModerate

Lower Windsormostly inland floodingLow

Chancefordmostly inland floodingLow

Windsormostly inland floodingLow

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. Lower Windsor covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Lower Windsor’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Lower 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 Lower Windsor total about $2.0M 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.