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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 low for a U.S. community. Flood insurance has paid 63 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Middletown?

24
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middletown to be higher than in 24% of U.S. communities, mostly from inland flooding.

Inland flooding58%Hurricanes11%Cold waves10%Tornadoes6%Strong wind5%Everything else11%
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

58% of expected damage
Below average · higher than 40% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

11% of expected damage
Well above average · higher than 82% of U.S. places
Recorded about once every 12 years in the area

Cold waves

10% of expected damage
Below average · higher than 35% of U.S. places
Recorded about once a year in the area

Tornadoes

6% of expected damage
Below average · higher than 30% of U.S. places

Strong wind

5% of expected damage
Above average · higher than 61% of U.S. places
Recorded about 5 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Middletown flood?

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

63paid claims since 1979
$581Kpaid to owners
6homes flooded more than once
19792026

Biggest named events

  • Hurricane Irene: 36 claims, $426K
  • Tropical Storm Lee: 4 claims, $29K
  • Torrential rain: 2 claims, $14K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

What’s been done with FEMA grants

7flood-prone properties bought out and cleared
4homes raised above flood level
Disasters that hit Middletown

9 federal disasters brought FEMA money here

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

Brought FEMA money into MiddletownDeclared for Orange County only
2021

Remnants of Hurricane Ida

118 households applied for aid $216K aid approved
2012

Hurricane Sandy

158 households applied for aid $123K aid approved
2011

Remnants of Tropical Storm Lee

148 households applied for aid $250K aid approved
2011

Hurricane Irene

1,315 households applied for aid $3.7M aid approved
2007

Severe Storms and Inland and Coastal Flooding

54 households applied for aid $17K aid approved
2006

Severe Storms and Flooding

5 households applied for aid $2K aid approved
2005

Severe Storms and Flooding

22 households applied for aid $46K aid approved
2004

Tropical Depression Ivan

3 households applied for aid $1K aid approved
2004

Severe Storms and Flooding

3 households applied for aid $1K aid approved
Orange County has had 27 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Middletown

Middletown and the towns around it

Wallkill: Very low, mostly inland floodingWawayanda: Very low, mostly inland floodingMamakating: Moderate, mostly inland floodingHamptonburgh: Low, mostly inland floodingBloomingburg: Low, mostly inland floodingMount Hope: Very low, mostly inland floodingCrawford: Low, mostly inland floodingMontgomery: Low, mostly inland floodingGoshen: Very low, mostly inland floodingMinisink: Low, mostly inland floodingWarwick: Moderate, mostly inland floodingGreenville: Very low, mostly inland floodingMiddletown: Low, mostly inland flooding MiddletownWallkillWawayanda
Very lowLowModerateHighVery high
Middletownmostly inland floodingLow
Wawayandamostly inland floodingVery low
Wallkillmostly 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. Middletown covers 7 census tracts, 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 City 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 $5.8M 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/18 · 2025-01-01
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