Natural hazards · Middlebury

Middlebury, NY 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. 3 federal disasters brought FEMA money into town.

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 29% of U.S. communities, mostly from inland flooding.

Inland flooding68%Drought8%Everything else25%

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

68% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Drought

8% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Middlebury flood?

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

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: Wyoming County.

Disasters that hit Middlebury

3 federal disasters brought FEMA money here

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

Brought FEMA money into MiddleburyDeclared for Wyoming County only

2014

Severe Winter Storm, Snowstorm, and Flooding

$11K to the Town of Middlebury for repairs

2001

Snow

$11K to the Town of Middlebury for repairs

1999

Snow

$4K to the Town of Middlebury for repairs

Wyoming County has had 18 natural disasters declared since 1953, most often winter storms and severe storms.

Around Middlebury

Middlebury and the towns around it

Very lowLowModerateHighVery high

Warsawmostly inland floodingHigh

Atticamostly inland floodingLow

Middleburymostly inland floodingLow

Covingtonmostly inland floodingLow

Bethanymostly inland floodingVery low

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 covers 1 census tract, combined by population.

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 Town of Middlebury. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Middlebury total about $764K a year, counting buildings, people and crops.

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.