Natural hazards · Middlesborough

Middlesborough, KY natural hazards

Most of the natural-hazard damage FEMA expects in Middlesborough comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 46 claims here since 1982.

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

Expected damage

How exposed is Middlesborough?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middlesborough to be higher than in 97% of U.S. communities, mostly from inland flooding.

Inland flooding85%Cold waves7%Everything else9%

By hazard

What Middlesborough faces

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

Inland flooding

85% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 2 times a year in the area

Cold waves

7% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Middlesborough flood?

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

46paid claims since 1982

$1.2Mpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Bell County.

Disasters that hit Middlesborough

Federal disasters declared here

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

Brought FEMA money into MiddlesboroughDeclared for Bell County only

Bell County has had 26 natural disasters declared since 1953, most often severe 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. Middlesborough covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Middlesborough’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Middlesborough. 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 Middlesborough total about $2.9M 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.