Photo: DanTD · CC BY-SA 4.0

–Not graded

Natural hazards in Golden's Bridge · FEMA

Storms, floods and disasters in Golden's Bridge

Golden's Bridge isn’t graded for hazard risk: Golden's Bridge is a Census area inside a town, graded with the town. Flood insurance has paid 3 claims here since 1979.

Flood claims

paid since 1979 · $3K

Disasters paid out here

of 23 declared for Westchester County

By hazard

What Golden's Bridge 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

82%of expected building damage

Below average · lower than 71% of U.S. census tracts

Recorded about 4 times a year in the area

Hurricanes

10%of expected building damage

Above average · higher than 72% of U.S. census tracts

Recorded about once every 7 years in the area

Earthquakes

5%of expected building damage

About average · higher than 51% of U.S. census tracts

Smaller shares here

Tornadoes Strong wind Ice storms Landslides top 4% Wildfire Winter storms Lightning Hail Cold waves Heat waves

FEMA models no building damage here

Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Golden's Bridge flood? Rarely: 3 flood claims since 1979

Every paid claim on a federal flood insurance policy in Golden's Bridge, from FEMA’s records.

Paid flood claims, by year

197919962011

19792026

Biggest named events

Hurricane Irene1 claim · $1K

paid claims since 1979

$3K

paid to owners

homes flooded more than once

$918

average claim

of homes in flood zones are insured

of all homes are insured

No community discount

Golden's Bridge isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Westchester County.

Disasters

The storms Golden's Bridge remembers

None of the 23 disasters declared for Westchester County shows FEMA aid or repair money reaching Golden's Bridge itself in FEMA’s records, so these are its biggest flood-claim years.

19791 flood claims paidNo declaration for the county that year
19961 flood claims paidThe year of Severe Storms, Flooding, Heavy Rains, High Winds, declared for Westchester County
20111 flood claims paidThe year of Hurricane Irene, declared for Westchester County

Disasters declared, by decade

Paid out in Golden's BridgeWestchester County only

Westchester County has had 23 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.

Were you here?

Old photos of Golden's Bridge after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Golden's Bridge archive →

Next door

Golden's Bridge and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

LewisboroSomersBedfordGolden's Bridge

Lowest fifthSecondMiddleFourthHighest fifth

Town	Hazard risk	Mostly (buildings)	Flood claims
Somers	Aless damage than 92%	river and rain flooding	28
Lewisboro	Aless damage than 92%	river and rain flooding	21
Bedford	A⁻less damage than 79%	river and rain flooding	44

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.

Be ready

Get ready for what Golden's Bridge faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises

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.

Questions about natural hazards in Golden's Bridge

Does Golden's Bridge flood?

Flood insurance has paid 3 claims in Golden's Bridge since 1979, $3K in all. The most claims came from Hurricane Irene (1).

Is Golden's Bridge 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 Westchester County, 64% of homes in mapped flood zones carry federal flood insurance, and 3.0% of all homes do.

How much is flood insurance in Golden's Bridge?

FEMA’s Community Rating System list shows no discount for Golden's Bridge’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 Golden's Bridge?

By flood claims, Hurricane Irene: 1 paid, $1K.

Storm stories

Memories, warnings and help from neighbors in Golden's Bridge.

Town Square →

Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Golden's Bridge’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.

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