Windsor Township’s building-damage rate from strong wind is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Windsor Township gets a C+ for hazard risk: higher expected damage per building than 63% of U.S. towns, #663 of 701 in Michigan. Most of that expected damage is river and rain flooding (77%), then tornadoes (12%). Flood insurance has paid 45 claims here since 1982.
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 Township 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
Tornadoes
Strong wind
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 Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Windsor Township, and Windsor Township’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Tornadoes add 12%, at a rate in the top 10% of U.S. census tracts.
C+ #663 of 701 in Michigan; higher expected damage per building than 63% of U.S. towns (21,298).
Windsor Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Windsor Township has more expected damage per building than 95% of Michigan towns.
In dollars, FEMA expects about $2.2M a year in losses across Windsor Township: $1.8M to buildings, the rest to people and crops.
Does Windsor Township flood? Sometimes: 45 flood claims since 1982
Every paid claim on a federal flood insurance policy in Windsor Township, from FEMA’s records: 15.3 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
Windsor Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Eaton County.The storms Windsor Township remembers
None of the 10 disasters declared for Eaton County shows FEMA aid or repair money reaching Windsor Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 198217 flood claims paidNo declaration for the county that year
- 198513 flood claims paidNo declaration for the county that year
- 20186 flood claims paidNo declaration for the county that year
Eaton County has had 10 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Windsor Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Windsor Township archive →Windsor Township and its neighbors
Windsor Township is 6th 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 |
|---|---|---|---|
| Delta Township | B+less damage than 71% | river and rain flooding | 17 |
| Delhi Township | Bless damage than 64% | river and rain flooding | 10 |
| Benton Township | Bless damage than 63% | river and rain flooding | 4 |
| Lansing | Bless damage than 59% | river and rain flooding | 103 |
| Eaton Rapids Township | B−less damage than 54% | river and rain flooding | 7 |
| Windsor Township | C+more damage than 63% | river and rain flooding | 45 |
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 Township 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Township
Is Windsor Township at risk for natural disasters?
On FEMA’s National Risk Index, Windsor Township has higher expected damage per building than 63% of U.S. towns: C+ for hazard risk, #663 of 701 in Michigan. Most of the expected damage is river and rain flooding (77%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Windsor Township flood?
Flood insurance has paid 45 claims in Windsor Township since 1982, $218K in all, or 15.3 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. 9 properties have flooded more than once.
Is Windsor Township 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 Eaton County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Windsor Township?
FEMA’s Community Rating System list shows no discount for Windsor Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Windsor Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Windsor Township’s rate for it is higher than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Windsor Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Windsor Township’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.