Natural hazards · Middletown

Middletown, OH natural hazards

Most of the natural-hazard damage FEMA expects in Middletown comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 9 claims here since 1995. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Middletown?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middletown to be higher than in 56% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding61%Tornadoes18%Cold waves12%Everything else10%

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

61% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

18% of expected damage

Well above average · higher than 91% of U.S. places

Cold waves

12% of expected damage

Above average · higher than 59% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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.

9paid claims since 1995

$103Kpaid to owners

2homes flooded more than once

19952026

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: Butler County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Middletown

2 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 Butler County only

2008

Severe Wind Storm Associated With Tropical Depression Ike

$296K to the City of Middletown for repairs

2004

Snow

$77K to the City of Middletown for repairs

Butler County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Middletown

Middletown and the towns around it

Very lowLowModerateHighVery high

Middletownmostly inland floodingModerate

Madisonmostly inland floodingModerate

Franklinmostly inland floodingModerate

Lemonmostly inland floodingModerate

Monroemostly inland floodingLow

Huntermostly inland floodingLow

Turtlecreekmostly 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 16 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 $15.8M 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.