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Natural hazards · Middlefield

Middlefield, MA natural hazards

Most of the natural-hazard damage FEMA expects in Middlefield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2 claims here since 2001. 9 federal disasters brought FEMA money into town.

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

How exposed is Middlefield?

55
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middlefield to be higher than in 55% of U.S. communities, mostly from inland flooding.

Inland flooding77%Hurricanes9%Everything else14%
By hazard

What Middlefield faces

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

Inland flooding

77% of expected damage
Well above average · higher than 76% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

9% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 11 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Middlefield flood?

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

2paid claims since 2001
$45Kpaid to owners
0homes flooded more than once
20012026

Biggest named events

  • Hurricane Irene: 1 claim, $42K
of all homes
are insured
No community discount. Middlefield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hampshire County.
Disasters that hit Middlefield

9 federal disasters brought FEMA money here

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

Brought FEMA money into MiddlefieldDeclared for Hampshire County only
2013

Severe Winter Storm, Snowstorm, and Flooding

$10K to the Town of Middlefield for repairs
2011

Severe Storm and Snowstorm

$9K to the Town of Middlefield for repairs
2011

Tropical Storm Irene

$99K to the Town of Middlefield for repairs
2011

Severe Winter Storm and Snowstorm

$11K to the Town of Middlefield for repairs
2008

Severe Winter Storm and Flooding

$58K to the Town of Middlefield for repairs
2005

Severe Storms and Flooding

$17K to the Town of Middlefield for repairs
2005

Record And/Or Near Record Snow

$7K to the Town of Middlefield for repairs
2003

Snow

$4K to the Town of Middlefield for repairs
2001

Snow

$4K to the Town of Middlefield for repairs
Hampshire County has had 19 natural disasters declared since 1953, most often hurricanes and winter storms.
Around Middlefield

Middlefield and the towns around it

Becket: Moderate, mostly inland floodingWorthington: Moderate, mostly inland floodingPeru: Low, mostly inland floodingChester: High, mostly inland floodingWashington: Moderate, mostly inland floodingOtis: Moderate, mostly inland floodingTyringham: Moderate, mostly inland floodingLee: High, mostly inland floodingChesterfield: Moderate, mostly inland floodingCummington: Moderate, mostly inland floodingHuntington: Very high, mostly inland floodingHinsdale: Low, mostly inland floodingBlandford: High, mostly inland floodingLenox: Very low, mostly inland floodingDalton: High, mostly inland floodingPittsfield: High, mostly inland floodingMiddlefield: Moderate, mostly inland flooding MiddlefieldBecketWorthingtonPeruChesterWashington
Very lowLowModerateHighVery high
Chestermostly inland floodingHigh
Middlefieldmostly inland floodingModerate
Worthingtonmostly inland floodingModerate
Becketmostly inland floodingModerate
Washingtonmostly inland floodingModerate
Perumostly inland floodingLow
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. Middlefield 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 Middlefield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Middlefield. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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