Natural hazards · Middlebury

Middlebury, CT natural hazards

Most of the natural-hazard damage FEMA expects in Middlebury comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1979.

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

Expected damage

How exposed is Middlebury?

Moderate

vs. U.S. communities

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

Inland flooding64%Hurricanes24%Everything else12%

By hazard

What Middlebury faces

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

Inland flooding

64% of expected damage

Above average · higher than 53% of U.S. places

Recorded about 4 times a year in the area

Hurricanes

24% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 6 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Middlebury flood?

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

12paid claims since 1979

$307Kpaid to owners

3homes flooded more than once

19792026

Biggest named events

December Storm - Nor'easter: 3 claims, $221K
Not a named storm: 2 claims, $4K
Hurricane Ida: 1 claim, $19K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: .

Around Middlebury

Middlebury and the towns around it

Very lowLowModerateHighVery high

Naugatuckmostly inland floodingHigh

Woodburymostly inland floodingHigh

Waterburymostly inland floodingHigh

Southburymostly inland floodingModerate

Watertownmostly inland floodingModerate

Oxfordmostly inland floodingModerate

Middleburymostly 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. Middlebury covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Middlebury’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Middlebury. 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 Middlebury total about $2.8M 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.