Goshen’s biggest natural hazard is inland flooding
Most of the natural-hazard damage FEMA expects in Goshen comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 15 claims here since 1992. 1 federal disaster brought FEMA money into town.
What stands out about Goshen’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
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.How exposed is Goshen?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 84% of U.S. communities, mostly from inland flooding.
Rated higher than 681 of the 700 Virginia towns we cover.
Goshen is smaller than a census tract, so it shares the figures of the tract around its center.
What Goshen faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
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) and its biggest flood years.
- 2003Hurricane Isabel1 household applied for aid$603 aid approved
Rockbridge County has had 21 natural disasters declared since 1953, most often hurricanes and winter storms.
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 actually faces
A short kit for its top hazards, 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.
- Keep a shovel, a blanket and snacks in the car.
- Clear snow from furnace and dryer vents.
- Check on older neighbors when the power goes out.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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.
Disasters here can come any time of year
The month each of Rockbridge County’s 21 declared disasters began, since 1953.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Goshen’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Goshen.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels.
Storm stories
Memories, warnings and help from neighbors in Goshen.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.