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Natural hazards · Middletown

Middletown, CA natural hazards

Most of the natural-hazard damage FEMA expects in Middletown comes from inland flooding, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

How exposed is Middletown?

100
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middletown to be higher than in 100% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding49%Wildfire19%Earthquakes16%Avalanches13%Everything else4%
By hazard

What Middletown faces

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

Inland flooding

49% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 2 years in the area

Wildfire

19% of expected damage
Well above average · among the top 1% of U.S. places

Earthquakes

16% of expected damage
Well above average · higher than 92% of U.S. places

Avalanches

13% of expected damage
Well below average · higher than 0% of U.S. places
Recorded about once every 8 years in the area

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesTsunamis
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 Middletown flood?

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

of homes in flood zones
are insured
of all homes
are insured
No community discount. Middletown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.

What’s been done with FEMA grants

4homes raised above flood level
Disasters that hit Middletown

5 federal disasters brought FEMA money here

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

Brought FEMA money into MiddletownDeclared for Lake County only
2020

Wildfires

37 households applied for aid $36K aid approved
2018

Wildfires and High Winds

1 household applied for aid
2017

Wildfires

12 households applied for aid $500 aid approved
2015

Valley Fire and Butte Fire

1,165 households applied for aid $5.1M aid approved
2005

Severe Storms, Flooding, Mudslides, and Landslides

5 households applied for aid $4K aid approved
Lake County has had 32 natural disasters declared since 1953, most often fires and severe storms.
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. Middletown 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 Middletown’s own flood-insurance community; household aid to the registrant’s city; repair grants to Middletown. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/19 · 2025-01-01
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