Natural hazards · Middle Smithfield

Middle Smithfield, PA natural hazards

Most of the natural-hazard damage FEMA expects in Middle Smithfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 10 claims here since 1996. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Middle Smithfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middle Smithfield to be higher than in 24% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves26%Lightning5%Everything else18%

By hazard

What Middle Smithfield faces

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

Inland flooding

50% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Cold waves

26% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 3 times a year in the area

Lightning

5% of expected damage

Below average · higher than 48% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Middle Smithfield flood?

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

10paid claims since 1996

$122Kpaid to owners

2homes flooded more than once

19962026

Biggest named events

Hurricane Ida: 1 claim, $22K
Hurricane Irene: 1 claim, $1K

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. Middle Smithfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Monroe County.

Disasters that hit Middle Smithfield

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Middle Smithfield itself: aid to households, or repair grants to the Township of Middle Smithfield.

Brought FEMA money into Middle SmithfieldDeclared for Monroe County only

2004

Tropical Depression Ivan

2 households applied for aid $1K aid approved

Monroe County has had 16 natural disasters declared since 1953, most often floods and hurricanes.

Around Middle Smithfield

Middle Smithfield and the towns around it

Very lowLowModerateHighVery high

Walpackmostly inland floodingHigh

Hardwickmostly inland floodingModerate

Lehmanmostly inland floodingLow

Pricemostly inland floodingLow

Middle Smithfieldmostly inland floodingLow

Portermostly 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. Middle Smithfield covers 6 census tracts, combined by population.

Money that reached townFlood claims are matched to Middle Smithfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Middle Smithfield. 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 Middle Smithfield total about $4.3M 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.