Natural hazards · Middletown

Middletown, MD natural hazards

Most of the natural-hazard damage FEMA expects in Middletown comes from inland flooding, and overall the risk is very low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Middletown?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middletown to be higher than in 3% of U.S. communities, mostly from inland flooding.

Inland flooding65%Heat waves7%Tornadoes7%Hurricanes5%Everything else16%

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

65% of expected damage

Well below average · higher than 11% of U.S. places

Recorded about 5 times a year in the area

Heat waves

7% of expected damage

Well below average · higher than 3% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

Below average · higher than 42% of U.S. places

Hurricanes

5% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 12 years in the area

Lower here

HailIce stormsWinter weatherCold 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?

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

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: Frederick County.

Disasters that hit Middletown

5 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 Frederick County only

2016

Severe Winter Storm and Snowstorm

$25K to the Town of Middletown for repairs

2010

Severe Winter Storms and Snowstorms

$21K to the Town of Middletown for repairs

2003

Hurricane Isabel

4 households applied for aid $8K aid approved

2003

Snow

$7K to the Town of Middletown for repairs

2000

Severe Winter Storm

$3K to the Town of Middletown for repairs

Frederick County has had 20 natural disasters declared since 1953, most often winter storms and hurricanes.

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.