Natural hazards · Middlefield

Middlefield, OH natural hazards

Most of the natural-hazard damage FEMA expects in Middlefield comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 8 claims here since 1981. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Middlefield?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middlefield to be higher than in 1% of U.S. communities, mostly from inland flooding.

Inland flooding56%Tornadoes13%Strong wind12%Hail5%Everything else14%

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

56% of expected damage

Well below average · higher than 4% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

Above average · higher than 54% of U.S. places

Strong wind

12% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 2 times a year in the area

Hail

5% of expected damage

Above average · higher than 72% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat 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 Middlefield flood?

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

8paid claims since 1981

$604Kpaid to owners

2homes flooded more than once

19812026

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. 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: Geauga County.

Disasters that hit Middlefield

2 federal disasters brought FEMA money here

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

Brought FEMA money into MiddlefieldDeclared for Geauga County only

2008

Record Snow and Near Record Snow

$8K to the Village of Middlefield for repairs

2004

Severe Storms and Flooding

1 household applied for aid $3K aid approved

Geauga County has had 9 natural disasters declared since 1953, most often severe storms and winter storms.

Around Middlefield

Middlefield and the towns around it

Very lowLowModerateHighVery high

Middlefieldmostly inland floodingLow

Burtonmostly inland floodingVery low

Middlefieldmostly 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. 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 Village 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 $828K 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.