Natural hazards · Windsor

Windsor, WI natural hazards

Most of the natural-hazard damage FEMA expects in Windsor comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2008. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Windsor?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windsor to be higher than in 27% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding56%Cold waves18%Tornadoes13%Hail6%Everything else6%

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

56% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Cold waves

18% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

13% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 74 years in the area

Hail

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat 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?

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

4paid claims since 2008

$48Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

Storm: 2 claims, $12K
March 2019 Midwest Flooding: 1 claim, $17K

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: Dane County.

Disasters that hit Windsor

3 federal disasters brought FEMA money here

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

Brought FEMA money into WindsorDeclared for Dane County only

2008

Severe Storms, Tornadoes, and Flooding

43 households applied for aid $42K aid approved

2007

Severe Storms and Flooding

18 households applied for aid $29K aid approved

2004

Severe Storms and Flooding

1 household applied for aid $2K aid approved

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

Around Windsor

Windsor and the towns around it

Very lowLowModerateHighVery high

Leedsmostly hailHigh

DeForestmostly inland floodingLow

Windsormostly inland floodingLow

Bristolmostly inland floodingLow

Sun Prairiemostly inland floodingVery low

Burkemostly 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 covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Windsor’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Village 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 $5.6M 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.