Photo: Elipongo · Public domainOn FEMA’s figures, East Windsor faces less hazard damage per building than 63% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, East Windsor gets a B for hazard risk: lower expected damage per building than 63% of U.S. towns, #14 of 155 in Connecticut. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 19 claims here since 1984.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What East Windsor faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind East Windsor’s grade
River and rain flooding is 85% of the building damage FEMA expects in East Windsor, and East Windsor’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Next is hurricanes at 6% (higher than 71% of U.S. census tracts).
B #14 of 155 in Connecticut; lower expected damage per building than 63% of U.S. towns (21,298).
East Windsor’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Connecticut town has higher expected damage than 62% of U.S. towns; within the state, East Windsor has less expected damage per building than 92% of Connecticut towns.
In dollars, FEMA expects about $3.9M a year in losses across East Windsor: $3.4M to buildings, the rest to people and crops.
Does East Windsor flood? Sometimes: 19 flood claims since 1984
Every paid claim on a federal flood insurance policy in East Windsor, from FEMA’s records: 3.5 per 1,000 homes, more than 52% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene1 claim · $1K
East 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: the county.East Windsor and its neighbors
East Windsor is 2nd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Windsor Locks | B+less damage than 67% | river and rain flooding | 7 |
| East Windsor | Bless damage than 63% | river and rain flooding | 19 |
| South Windsor | Bless damage than 56% | river and rain flooding | 17 |
| Ellington | B−less damage than 54% | river and rain flooding | 5 |
| Windsor | C+more damage than 55% | river and rain flooding | 20 |
| Enfield | Cmore damage than 68% | river and rain flooding | 46 |
| Broad Brook | — | a Census area inside a town; graded with the town | |
| Southwood Acres | — | a Census area inside a town; graded with the town | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what East Windsor faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in East Windsor
Is East Windsor at risk for natural disasters?
On FEMA’s National Risk Index, East Windsor has lower expected damage per building than 63% of U.S. towns: B for hazard risk, #14 of 155 in Connecticut. Most of the expected damage is river and rain flooding (85%) and hurricanes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does East Windsor flood?
Flood insurance has paid 19 claims in East Windsor since 1984, $290K in all, or 3.5 per 1,000 homes, more than 52% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (1).
Is East Windsor in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In the county, 32% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in East Windsor?
FEMA’s Community Rating System list shows no discount for East Windsor’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in East Windsor?
By flood claims, Hurricane Irene: 1 paid, $1K.
Is East Windsor at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and East Windsor’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in East Windsor.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where East Windsor’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.