Natural hazards · West Middleton

West Middleton, IN natural hazards

Most of the natural-hazard damage FEMA expects in West Middleton comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is West Middleton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in West Middleton to be higher than in 34% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes18%Cold waves10%Strong wind6%Everything else15%

By hazard

What West Middleton faces

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

Inland flooding

51% of expected damage

Below average · higher than 44% of U.S. places

Recorded about once a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 40 years in the area

Cold waves

10% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce 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 West Middleton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Howard County.

Disasters that hit West Middleton

Federal disasters declared here

None of the disasters declared for Howard County shows FEMA aid or repair money reaching West Middleton itself in FEMA’s records.

Brought FEMA money into West MiddletonDeclared for Howard County only

Howard County has had 13 natural disasters declared since 1953, most often severe storms and winter 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. West Middleton 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 West Middleton’s own flood-insurance community; household aid to the registrant’s city; repair grants to West Middleton. 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.