Photo: Idawriter · CC BY-SA 3.0Storms, floods and disasters in Goshen
Goshen isn’t graded for hazard risk: Goshen has 271 residents; we grade towns of 1,000 or more. Flood insurance has paid 15 claims here since 1992.
What Goshen 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.
Does Goshen flood? Sometimes: 15 flood claims since 1992
Every paid claim on a federal flood insurance policy in Goshen, from FEMA’s records.
- Hurricane Fran4 claims · $689K
Goshen isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rockbridge County.1 federal disaster brought FEMA money to Goshen
Disasters that paid out in Goshen itself (aid to households or repair grants to the Town of Goshen), newest first, with that year’s flood claims.
- 2003Hurricane Isabel1 households applied for aid$603 aid approved
Rockbridge County has had 20 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Goshen after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Goshen archive →Get ready for what Goshen 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 Goshen
Does Goshen flood?
Flood insurance has paid 15 claims in Goshen since 1992, $910K in all. 3 properties have flooded more than once. The most claims came from Hurricane Fran (4).
Is Goshen 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 Rockbridge County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Goshen?
FEMA’s Community Rating System list shows no discount for Goshen’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 Goshen?
By FEMA money that reached Goshen, Hurricane Isabel (2003): 1 households applied for aid, $603 approved. By flood claims, Hurricane Fran: 4 paid, $689K.
Storm stories
Memories, warnings and help from neighbors in Goshen.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Goshen’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.