TownTapestry
Sign inJoin
MiddletownGood afternoon
Natural hazards · Middletown

Middletown, NY natural hazards

Most of the natural-hazard damage FEMA expects in Middletown comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 59 claims here since 1987. 11 federal disasters brought FEMA money into town.

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

How exposed is Middletown?

78
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middletown to be higher than in 78% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%
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

88% of expected damage
Well above average · higher than 92% 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 Middletown flood?

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

59paid claims since 1987
$1.4Mpaid to owners
7homes flooded more than once
19872026

Biggest named events

  • Hurricane Irene: 31 claims, $1.2M
  • Torrential rain: 7 claims, $42K
  • Hurricane Debby: 2 claims, $14K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 20% off flood insurance. Middletown is in FEMA’s Community Rating System (class 6) for its flood-proofing work.
Insurance rates: Delaware County.
Disasters that hit Middletown

11 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 Delaware County only
2024

Remnants of Tropical Storm Debby

$392K to the Town of Middletown for repairs
2017

Severe Winter Storm and Snowstorm

$31K to the Town of Middletown for repairs
2011

Remnants of Tropical Storm Lee

$126K to the Town of Middletown for repairs
2011

Hurricane Irene

$936K to the Town of Middletown for repairs
2008

Severe Winter Storm

$194K to the Town of Middletown for repairs
2006

Severe Storms and Flooding

$721K to the Town of Middletown for repairs
2005

Severe Storms and Flooding

$282K to the Town of Middletown for repairs
2004

Tropical Depression Ivan

$208K to the Town of Middletown for repairs
2004

Severe Storms and Flooding

$151K to the Town of Middletown for repairs
2003

Snow

$17K to the Town of Middletown for repairs
2002

Snowstorms

$27K to the Town of Middletown for repairs
Delaware County has had 30 natural disasters declared since 1953, most often severe storms and floods.
Around Middletown

Middletown and the towns around it

Andes: High, mostly inland floodingRoxbury: High, mostly inland floodingShandaken: Very high, mostly inland floodingBovina: High, mostly inland floodingHardenburgh: High, mostly inland floodingHalcott: High, mostly inland floodingColchester: Very high, mostly inland floodingHamden: High, mostly inland floodingDelhi: High, mostly inland floodingStamford: High, mostly inland floodingPrattsville: Very high, mostly inland floodingOlive: Moderate, mostly inland floodingWoodstock: Moderate, mostly inland floodingLexington: High, mostly inland floodingDenning: High, mostly inland floodingHunter: High, mostly inland floodingRockland: Very high, mostly inland floodingMiddletown: High, mostly inland flooding MiddletownAndesRoxburyShandakenBovinaHardenburghHalcott
Very lowLowModerateHighVery high
Shandakenmostly inland floodingVery high
Middletownmostly inland floodingHigh
Roxburymostly inland floodingHigh
Halcottmostly inland floodingHigh
Andesmostly inland floodingHigh
Bovinamostly inland floodingHigh
Hardenburghmostly inland floodingHigh
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 covers 1 census tract, combined by population.
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.

FEMA’s expected losses across Middletown total about $3.5M 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.

The door’s open

Where to, neighbor?

You’re in Middletown, NYDelaware CountyView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Middletown is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
Open detailed map