Natural hazards · Middleberg

Middleberg, OK natural hazards

Most of the natural-hazard damage FEMA expects in Middleberg comes from tornadoes, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Middleberg?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middleberg to be higher than in 78% of U.S. communities, mostly from tornadoes and inland flooding.

Tornadoes30%Inland flooding27%Cold waves17%Wildfire7%Heat waves7%Hail6%Everything else7%

By hazard

What Middleberg faces

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

Tornadoes

30% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 14 years in the area

Inland flooding

27% of expected damage

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

Recorded about once a year in the area

Cold waves

17% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 2 times a year in the area

Wildfire

7% of expected damage

Well above average · higher than 96% of U.S. places

Heat waves

7% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 17 times a year in the area

Hail

6% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 12 times a year in the area

Lower here

HurricanesIce stormsWinter weatherEarthquakesLandslidesStrong 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 Middleberg flood?

FEMA's records show no paid flood insurance claims in Middleberg.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grady County.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Middleberg

Federal disasters declared here

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

Brought FEMA money into MiddlebergDeclared for Grady County only

Grady County has had 29 natural disasters declared since 1953, most often severe storms and ice storms.

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