Natural hazards · Middlebury

Middlebury, MI natural hazards

Most of the natural-hazard damage FEMA expects in Middlebury 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 Middlebury?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middlebury to be higher than in 38% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding33%Cold waves25%Tornadoes24%Strong wind11%Everything else7%

By hazard

What Middlebury faces

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

Inland flooding

33% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once every 2 years in the area

Cold waves

25% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

24% of expected damage

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

Recorded about once every 24 years in the area

Strong wind

11% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 6 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Middlebury flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Shiawassee County.

Disasters that hit Middlebury

Federal disasters declared here

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

Brought FEMA money into MiddleburyDeclared for Shiawassee County only

Shiawassee County has had 11 natural disasters declared since 1953, most often severe storms and winter storms.

Around Middlebury

Middlebury and the towns around it

Very lowLowModerateHighVery high

Ovidmostly inland floodingModerate

Duplainmostly inland floodingModerate

Middleburymostly inland floodingLow

Fairfieldmostly inland floodingLow

Owossomostly 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. Middlebury 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 Middlebury’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Middlebury. 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.