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Natural hazards · Middlefield

Middlefield, NY natural hazards

Most of the natural-hazard damage FEMA expects in Middlefield comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1980. 7 federal disasters brought FEMA money into town.

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

How exposed is Middlefield?

74
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middlefield to be higher than in 74% of U.S. communities, mostly from inland flooding.

Inland flooding80%Cold waves13%Everything else7%
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

80% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about 2 times a year in the area

Cold waves

13% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat 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 Middlefield flood?

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

4paid claims since 1980
$31Kpaid to owners
0homes flooded more than once
19802026

Biggest named events

  • Tropical Storm Lee: 1 claim, $3K
  • Hurricane Irene: 1 claim, $16K
of homes in flood zones
are insured
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: Otsego County.
Disasters that hit Middlefield

7 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 Otsego County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$582K to the Town of Middlefield for repairs
2017

Severe Winter Storm and Snowstorm

$12K to the Town of Middlefield for repairs
2013

Severe Storms and Flooding

$15K to the Town of Middlefield for repairs
2011

Remnants of Tropical Storm Lee

$32K to the Town of Middlefield for repairs
2006

Severe Storms and Flooding

1 household applied for aid $392K to the Town of Middlefield for repairs
2003

Ice Storm

$7K to the Town of Middlefield for repairs
2002

Snowstorms

$13K to the Town of Middlefield for repairs
Otsego County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Middlefield

Middlefield and the towns around it

Otsego: High, mostly inland floodingHartwick: High, mostly inland floodingMilford: High, mostly inland floodingRoseboom: High, mostly inland floodingWestford: High, mostly inland floodingCherry Valley: Moderate, mostly inland floodingSpringfield: Moderate, mostly inland floodingExeter: High, mostly inland floodingBurlington: Moderate, mostly inland floodingRichfield: High, mostly inland floodingNew Lisbon: Moderate, mostly inland floodingOneonta: Moderate, mostly inland floodingMaryland: High, mostly inland floodingLaurens: Very high, mostly inland floodingDecatur: High, mostly inland floodingSharon: Low, mostly inland floodingSeward: Low, mostly inland floodingWorcester: Very high, mostly inland floodingCanajoharie: High, mostly inland floodingMinden: Very high, mostly inland floodingWarren: Moderate, mostly inland floodingStark: Low, mostly inland floodingMiddlefield: High, mostly inland flooding MiddlefieldOtsegoHartwickMilfordRoseboomWestfordCherry ValleySpringfield
Very lowLowModerateHighVery high
Milfordmostly inland floodingHigh
Middlefieldmostly inland floodingHigh
Hartwickmostly inland floodingHigh
Roseboommostly inland floodingHigh
Westfordmostly inland floodingHigh
Otsegomostly inland floodingHigh
Cherry Valleymostly inland floodingModerate
Springfieldmostly inland floodingModerate
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 covers 1 census tract, combined by population.
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.

FEMA’s expected losses across Middlefield total about $1.2M 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.

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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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