FEMA expects about as much hazard damage per building in Windemere Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Windemere Township gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (92%). FEMA’s files show no paid flood insurance claims here.
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 Windemere 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
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 Windemere Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Windemere Township, and Windemere Township’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts.
B− higher expected damage per building than 54% of U.S. towns (21,298).
Windemere Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.2M a year in losses across Windemere Township: $764K to buildings, the rest to people and crops.
Does Windemere Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Windemere Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Windemere 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: Pine County.3 federal disasters brought FEMA money to Windemere Township
Disasters that paid out in Windemere Township itself (aid to households or repair grants to Windemere Township), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$24K to Windemere Township for repairs
- 2012Severe Storms and Flooding$33K to Windemere Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$12K to Windemere Township for repairs
Pine County has had 10 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Pine County, 2000–2000.
Old photos of Windemere Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Windemere Township archive →Windemere Township and its neighbors
Windemere Township is 2nd of the 2 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 |
|---|---|---|---|
| Moose Lake Township | B+less damage than 67% | river and rain flooding | — |
| Windemere Township | B−more damage than 54% | river and rain flooding | 0 |
| Norman Township | — | 342 residents; we grade 1,000+ | |
| Sturgeon Lake | — | 568 residents; we grade 1,000+ | |
| Sturgeon Lake Township | — | 476 residents; we grade 1,000+ | |
| Kerrick Township | — | 240 residents; we grade 1,000+ | |
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 Windemere 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.
- 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 Windemere Township
Is Windemere Township at risk for natural disasters?
On FEMA’s National Risk Index, Windemere Township has higher expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Windemere 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 Pine County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Windemere Township?
FEMA’s Community Rating System list shows no discount for Windemere Township’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 Windemere Township?
By FEMA money that reached Windemere Township, Severe Storms and Flooding (2012): $33K to Windemere Township for repairs.
Is Windemere Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Windemere Township’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Windemere Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Windemere 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.