Natural hazards · Goulding

Goulding, FL natural hazards

Most of the natural-hazard damage FEMA expects in Goulding comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 33 claims here since 1979.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Goulding?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Goulding to be higher than in 82% of U.S. communities, mostly from hurricanes.

Hurricanes79%Inland flooding12%Everything else9%

By hazard

What Goulding faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

79% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

12% of expected damage

Well below average · higher than 5% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingWildfireDroughtAvalanchesTsunamisVolcanic activity

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 Goulding flood?

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

33paid claims since 1979

$4.0Mpaid to owners

0homes flooded more than once

19792026

Biggest named events

Mid-spring storms: 10 claims, $1.2M
Hurricane Sally: 2 claims, $92K
Hurricane Georges (Panhandle): 2 claims, $412K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Goulding isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Escambia County.

Disasters that hit Goulding

Federal disasters declared here

None of the disasters declared for Escambia County shows FEMA aid or repair money reaching Goulding itself in FEMA’s records.

Brought FEMA money into GouldingDeclared for Escambia County only

Escambia County has had 33 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Goulding

Goulding and the towns around it

Very lowLowModerateHighVery high

Pensacolamostly hurricanesVery high

West Pensacolamostly hurricanesVery high

Brentmostly hurricanesVery high

Gouldingmostly hurricanesVery high

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Goulding covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Goulding’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Goulding. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Goulding total about $4.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.