Natural hazards · Middlebury

Middlebury, OH 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. Flood insurance has paid 2 claims here since 2011.

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 27% of U.S. communities, mostly from inland flooding.

Inland flooding62%Tornadoes11%Strong wind7%Cold waves6%Hail6%Everything else8%

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

62% of expected damage

Below average · higher than 41% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Above average · higher than 69% of U.S. places

Recorded about once every 40 years in the area

Strong wind

7% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 2 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 4 times a year in the area

Hail

6% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Middlebury flood?

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

2paid claims since 2011

$9Kpaid to owners

0homes flooded more than once

20112026

Biggest named events

Late winter storms: 1 claim, $2K

of homes in flood zones
are insured

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: Knox County.

Disasters that hit Middlebury

Federal disasters declared here

None of the disasters declared for Knox County shows FEMA aid or repair money reaching Middlebury itself in FEMA’s records.

Brought FEMA money into MiddleburyDeclared for Knox County only

Knox County has had 8 natural disasters declared since 1953, most often severe storms and winter storms.

Around Middlebury

Middlebury and the towns around it

Very lowLowModerateHighVery high

Perrymostly inland floodingModerate

Franklinmostly inland floodingLow

Waynemostly inland floodingLow

Perrymostly inland floodingLow

Middleburymostly inland floodingLow

Berlinmostly inland floodingLow

Fredericktownmostly inland floodingLow

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 (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township 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 $1.8M 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.