Natural hazards · Golden

Golden, NE natural hazards

Most of the natural-hazard damage FEMA expects in Golden comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Golden?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Golden to be higher than in 44% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding23%Cold waves21%Drought16%Tornadoes12%Hail7%Lightning6%Everything else15%

By hazard

What Golden faces

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

Inland flooding

23% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once every 2 years in the area

Cold waves

21% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 7 times a year in the area

Drought

16% of expected damage

Recorded about 46 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 2 years in the area

Hail

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 5 times a year in the area

Lightning

6% of expected damage

Well above average · higher than 83% of U.S. places

Lower here

Ice stormsWinter weatherHeat wavesEarthquakesLandslidesStrong wind

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Golden flood?

FEMA's records show no paid flood insurance claims in Golden.

of all homes
are insured

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

Insurance rates: Holt County.

Disasters that hit Golden

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Golden itself: aid to households, or repair grants to the Township of Golden.

Brought FEMA money into GoldenDeclared for Holt County only

2010

Severe Storms and Flooding

$4K to the Township of Golden for repairs

Holt County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Golden

Golden and the towns around it

Very lowLowModerateHighVery high

Goldenmostly inland floodingModerate

Inmanmostly inland floodingModerate

Verdigrismostly inland floodingModerate

Ewingmostly inland floodingModerate

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. Golden is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.