Windsor, California: natural disaster risk
How exposed Windsor is to floods, storms and other hazards, from FEMA and NOAA records for Sonoma County.
Windsor is a city of 26,081 people in Sonoma County, California. FEMA's National Risk Index rates Sonoma County relatively high for natural hazards overall, higher than most of the US. The costliest hazards there are earthquake, inland flooding and wildfire, with about $605 million in expected losses a year across the county. The weather service has logged 423 storm reports in the county since 1958, including 13 tornadoes and 300 floods. About 1.1% of homes in the county carry federal flood insurance.
Risk figures are for Sonoma County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Windsor
Full Sonoma County report ›- Ask whether an older house is bolted to its foundation.
- Consider separate earthquake insurance where risk is high.
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Clear dry plants and debris within 5 feet of the house.
- Get home insurance quotes early; availability varies by area.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Earthquake | $284M | |
| Inland flooding | $280M | |
| Wildfire | $17M | |
| Drought | $14M | |
| Landslide | $5M | |
| Heat wave | $3M | |
| Coastal flooding | $1M | |
| Lightning | $341K | |
| Tsunami | $244K | |
| Tornado | $163K | |
| Strong wind | $119K | |
| Hail | $60K |
Homes in Windsor
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Sonoma County
More cities in Sonoma County
Other cities in California
All ›Common questions about Windsor
Is Windsor safe from natural disasters?
Windsor is in Sonoma County, which FEMA's National Risk Index rates relatively high overall, higher than most of the US. The biggest hazards are earthquake, inland flooding, wildfire. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Windsor?
By expected yearly losses in Sonoma County, the top hazards are earthquake (High), inland flooding (High), wildfire (High). Sonoma County has been part of 33 federal disaster or emergency declarations for natural events.
Does Windsor get tornadoes?
Yes. NOAA records list 13 tornadoes in Sonoma County since 1950; the strongest was an F2 tornado on June 1, 1958. FEMA rates tornado risk in the county very low.
Do I need flood insurance in Windsor?
Standard home insurance does not cover floods. In Sonoma County, about 1.1% of homes have federal flood insurance, and FEMA rates inland flooding risk high. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.