Natural hazards · Middlebury

Middlebury, IN natural hazards

Most of the natural-hazard damage FEMA expects in Middlebury comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 2008. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Middlebury?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middlebury to be higher than in 4% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves20%Tornadoes15%Strong wind6%Hail6%Everything else6%

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

47% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about once every 3 years in the area

Cold waves

20% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

15% of expected damage

Above average · higher than 66% of U.S. places

Strong wind

6% of expected damage

Below average · higher than 43% of U.S. places

Recorded about 5 times a year in the area

Hail

6% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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.

3paid claims since 2008

$29Kpaid to owners

0homes flooded more than once

20082026

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: Elkhart County.

Disasters that hit Middlebury

5 federal disasters brought FEMA money here

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

Brought FEMA money into MiddleburyDeclared for Elkhart County only

2018

Severe Storms and Flooding

8 households applied for aid $5K aid approved

2008

Severe Storms and Flooding

7 households applied for aid $6K aid approved

2007

Snow

$5K to the Town of Middlebury for repairs

2000

Snow

$5K to the Town of Middlebury for repairs

1999

In-Winter Storm 12/23/98

$4K to the Town of Middlebury for repairs

Elkhart County has had 11 natural disasters declared since 1953, most often winter storms and floods.

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 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 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.

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.

Middlebury, IN natural hazards

How exposed is Middlebury?

What Middlebury faces

Inland flooding

Cold waves

Tornadoes

Strong wind

Hail

Lower here

Not a risk here

Does Middlebury flood?

5 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms and Flooding

Snow

Snow

In-Winter Storm 12/23/98

How to read this page

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