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Natural hazards · Middleburgh

Middleburgh, NY natural hazards

Most of the natural-hazard damage FEMA expects in Middleburgh comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 183 claims here since 1978. 12 federal disasters brought FEMA money into town.

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

How exposed is Middleburgh?

72
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middleburgh to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding87%Everything else13%
By hazard

What Middleburgh faces

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

Inland flooding

87% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Middleburgh flood?

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

183paid claims since 1978
$6.2Mpaid to owners
19homes flooded more than once
19782026

Biggest named events

  • Hurricane Irene: 66 claims, $5.1M
  • Torrential rain: 12 claims, $106K
  • April 2007 Nor'easter: 4 claims, $11K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Middleburgh isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Schoharie County.

What’s been done with FEMA grants

36flood-prone properties bought out and cleared
Disasters that hit Middleburgh

12 federal disasters brought FEMA money here

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

Brought FEMA money into MiddleburghDeclared for Schoharie County only
2017

Severe Winter Storm and Snowstorm

$7K to the Village of Middleburgh for repairs
2011

Remnants of Tropical Storm Lee

11 households applied for aid $15K aid approved $16K to the Village of Middleburgh for repairs
2011

Hurricane Irene

612 households applied for aid $3.0M aid approved $226K to the Village of Middleburgh for repairs
2008

Severe Winter Storm

$8K to the Village of Middleburgh for repairs
2007

Severe Storms and Inland and Coastal Flooding

$2K to the Village of Middleburgh for repairs
2006

Severe Storms and Flooding

6 households applied for aid $2K aid approved $1K to the Village of Middleburgh for repairs
2005

Severe Storms and Flooding

33 households applied for aid $54K aid approved $13K to the Village of Middleburgh for repairs
2004

Tropical Depression Ivan

$7K to the Village of Middleburgh for repairs
2004

Severe Storms and Flooding

$5K to the Village of Middleburgh for repairs
2003

Snow

$2K to the Village of Middleburgh for repairs
2002

Snowstorms

$7K to the Village of Middleburgh for repairs
2000

Severe Storms and Flooding

$59K to the Village of Middleburgh for repairs
Schoharie County has had 22 natural disasters declared since 1953, most often severe 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. Middleburgh 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 Middleburgh’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Middleburgh. 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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