Natural hazards · Middleville

Middleville, NY natural hazards

Most of the natural-hazard damage FEMA expects in Middleville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 11 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 Middleville?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middleville to be higher than in 54% of U.S. communities, mostly from inland flooding.

Inland flooding85%Everything else15%

By hazard

What Middleville faces

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

Inland flooding

85% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Middleville flood?

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

11paid claims since 1980

$377Kpaid to owners

4homes flooded more than once

19802026

Homes that flooded again and again

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

of all homes
are insured

No community discount. Middleville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Herkimer County.

Disasters that hit Middleville

7 federal disasters brought FEMA money here

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

Brought FEMA money into MiddlevilleDeclared for Herkimer County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$47K to the Village of Middleville for repairs

2013

Severe Storms and Flooding

$149K to the Village of Middleville for repairs

2011

Hurricane Irene

1 household applied for aid

2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$7K to the Village of Middleville for repairs

2006

Severe Storms and Flooding

18 households applied for aid $24K aid approved $49K to the Village of Middleville for repairs

2002

Snowstorms

$2K to the Village of Middleville for repairs

2000

Severe Storms and Flooding

$30K to the Village of Middleville for repairs

Herkimer County has had 19 natural disasters declared since 1953, most often severe storms and floods.

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. Middleville 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 Middleville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Middleville. 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.