Photo: Elipongo · Public domainFEMA puts Windsor Locks’s expected hazard damage per building below that of 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Windsor Locks gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns, #8 of 155 in Connecticut. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 7 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 Windsor Locks 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
Earthquakes
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 Windsor Locks’ grade
River and rain flooding is 84% of the building damage FEMA expects in Windsor Locks, and Windsor Locks’ rate of river and rain flooding damage is higher than 55% of U.S. census tracts. Next is hurricanes at 6% (higher than 70% of U.S. census tracts).
B+ #8 of 155 in Connecticut; lower expected damage per building than 67% of U.S. towns (21,298).
Windsor Locks’ residents live in 3 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, Windsor Locks has less expected damage per building than 95% of Connecticut towns.
In dollars, FEMA expects about $3.4M a year in losses across Windsor Locks: $3.0M to buildings, the rest to people and crops.
Does Windsor Locks flood? Rarely: 7 flood claims since 1984
Every paid claim on a federal flood insurance policy in Windsor Locks, from FEMA’s records: 1.3 per 1,000 homes, fewer than 72% of the 13,809 U.S. towns with a flood insurance record.
Windsor Locks 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.11 federal disasters brought FEMA money to Windsor Locks
Disasters that paid out in Windsor Locks itself (aid to households or repair grants to the Town of Windsor Locks), newest first, with that year’s flood claims.
- 2020Tropical Storm Isaias$87K to the Town of Windsor Locks for repairs
- 2013Severe Winter Storm and Snowstorm$74K to the Town of Windsor Locks for repairs1 flood claim paid that year
- 2011Severe Storm$1.2M to the Town of Windsor Locks for repairs
- 2011Tropical Storm Irene$16K to the Town of Windsor Locks for repairs
- 2011Snowstorm$44K to the Town of Windsor Locks for repairs
- 2006Snow$29K to the Town of Windsor Locks for repairs
Show all 11
- 2005Severe Storms and Flooding$35K to the Town of Windsor Locks for repairs
- 2005Record Snow$32K to the Town of Windsor Locks for repairs
- 2003Snow$28K to the Town of Windsor Locks for repairs
- 2003Snow$22K to the Town of Windsor Locks for repairs
- 1999Hurricane Floyd$24K to the Town of Windsor Locks for repairs
Old photos of Windsor Locks after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Windsor Locks archive →Windsor Locks and its neighbors
Windsor Locks has the lowest expected damage per building of the 6 graded towns here. 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 |
| East Granby | Bless damage than 62% | river and rain flooding | 1 |
| Windsor | C+more damage than 55% | river and rain flooding | 20 |
| Enfield | Cmore damage than 68% | river and rain flooding | 46 |
| Suffield | Cmore damage than 71% | river and rain flooding | 4 |
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 Windsor Locks 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Windsor Locks
Is Windsor Locks at risk for natural disasters?
On FEMA’s National Risk Index, Windsor Locks has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk, #8 of 155 in Connecticut. Most of the expected damage is river and rain flooding (84%) and hurricanes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Windsor Locks flood?
Flood insurance has paid 7 claims in Windsor Locks since 1984, $166K in all, or 1.3 per 1,000 homes, fewer than 72% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Windsor Locks 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 Windsor Locks?
FEMA’s Community Rating System list shows no discount for Windsor Locks’ 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 Windsor Locks?
By FEMA money that reached Windsor Locks, Severe Storm (2011): $1.2M to the Town of Windsor Locks for repairs.
Is Windsor Locks at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Windsor Locks’ rate for it is higher than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Windsor Locks.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Windsor Locks’ 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.