Natural hazards · Middletown

Middletown, IN natural hazards

Most of the natural-hazard damage FEMA expects in Middletown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1992. 8 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Middletown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middletown to be higher than in 49% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes27%Everything else15%

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

58% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

27% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 40 years in the area

Lower here

HurricanesHailIce 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 Middletown flood?

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

1paid claims since 1992

$22Kpaid to owners

0homes flooded more than once

19922026

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: Henry County.

Disasters that hit Middletown

8 federal disasters brought FEMA money here

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

Brought FEMA money into MiddletownDeclared for Henry County only

2026

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

33 households applied for aid $209K aid approved

2008

Severe Storms, Flooding, and Tornadoes

13 households applied for aid $22K aid approved $58K to the Town of Middletown for repairs

2007

Snow

$4K to the Town of Middletown for repairs

2005

Severe Winter Storms and Flooding

60 households applied for aid $36K aid approved $55K to the Town of Middletown for repairs

2004

Snow

$3K to the Town of Middletown for repairs

2004

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2003

Severe Storms, Tornadoes, and Flooding

23 households applied for aid $46K aid approved

1999

In-Winter Storm 12/23/98

$5K to the Town of Middletown for repairs

Henry County has had 16 natural disasters declared since 1953, most often winter storms 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 the Town of 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.

Middletown, IN natural hazards

How exposed is Middletown?

What Middletown faces

Inland flooding

Tornadoes

Lower here

Not a risk here

Does Middletown flood?

8 federal disasters brought FEMA money here

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

Severe Storms, Flooding, and Tornadoes

Snow

Severe Winter Storms and Flooding

Snow

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

In-Winter Storm 12/23/98

How to read this page

Where to, neighbor?

Matches

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