Natural hazards · North Middletown

North Middletown, KY natural hazards

Most of the natural-hazard damage FEMA expects in North Middletown comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is North Middletown?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Middletown to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding61%Tornadoes10%Strong wind10%Cold waves8%Everything else12%

By hazard

What North Middletown faces

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

Inland flooding

61% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 29 years in the area

Strong wind

10% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 5 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 56% of U.S. places

Recorded about once 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 North Middletown flood?

FEMA's records show no paid flood insurance claims in North Middletown.

of homes in flood zones
are insured

of all homes
are insured

No community discount. North 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: Bourbon County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit North Middletown

2 federal disasters brought FEMA money here

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

Brought FEMA money into North MiddletownDeclared for Bourbon County only

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

1 household applied for aid

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

1 household applied for aid $1K aid approved

Bourbon County has had 20 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. North 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 North Middletown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of North 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.