Natural Disaster Risk in Windsor
California
Risk Summary for Windsor
Windsor scores 6.3/10 (High risk), above the U.S. average of 4.5. The leading hazard is Earthquake.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Windsor, California
Windsor is a city of approximately 27,429 residents in Sonoma County, in the western mountain region near the Pacific Coast. The area experiences dry summers and mild, wet winters with pronounced drought cycles, with a critical fire season from late summer through fall shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Windsor.
FEMA rates Windsor's composite natural disaster risk at 6.3 out of 10 β high risk. The area's position within a seismically active region makes earthquake preparedness a top priority for residents and property owners alike. Residents should also account for landslide and drought risk in their preparedness planning.
Windsor's risk score, near the 5.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Sonoma County, the highest-scoring are earthquake, landslide, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Windsor's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Windsor: Earthquake preparedness
- Standard homeowners insurance excludes earthquake damage β a separate earthquake policy or endorsement is needed.
- Secure heavy furniture, water heaters, and shelving to wall studs to reduce injury and damage during shaking.
- Identify "drop, cover, and hold on" spots in each room and keep an emergency kit with water for at least 72 hours.
Local Factors for Windsor
These city-level factors differentiate Windsor from other communities in Sonoma County and provide geographic context for its hazard exposure.
Population
27,429
SuburbanGeographic Zone
Pacific Coast
Tsunami, coastal flood & wildfire risk
Climate Band
Moderate Continental
Latitude 38.5Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High β long dry fire season
Fire score: 9.8/10
Coordinates
38.5305Β° N, 122.8125Β° W
Sonoma County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Windsor
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Windsor
Other cities in California
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.