Natural hazards · Middlefield

Middlefield, CT natural hazards

Most of the natural-hazard damage FEMA expects in Middlefield comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1979.

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

Expected damage

How exposed is Middlefield?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middlefield to be higher than in 60% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding74%Hurricanes17%Everything else10%

By hazard

What Middlefield faces

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

Inland flooding

74% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

17% of expected damage

Well above average · higher than 82% 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 Middlefield flood?

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

2paid claims since 1979

$1Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Hurricane Sandy: 1 claim, $304
Not a named storm: 1 claim, $913

of homes in flood zones
are insured

of all homes
are insured

No community discount. Middlefield 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 Middlefield

Middlefield and the towns around it

Very lowLowModerateHighVery high

Middletownmostly inland floodingHigh

Meridenmostly inland floodingHigh

Middlefieldmostly inland floodingHigh

Durhammostly 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. Middlefield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Middlefield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Middlefield. 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 Middlefield total about $1.6M 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.