Natural hazards · Middleburg

Middleburg, PA natural hazards

Most of the natural-hazard damage FEMA expects in Middleburg comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 49 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Middleburg?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middleburg to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding75%Hurricanes8%Strong wind5%Everything else12%

By hazard

What Middleburg faces

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

Inland flooding

75% of expected damage

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

Recorded about once a year in the area

Hurricanes

8% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 16 years in the area

Strong wind

5% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce 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 Middleburg flood?

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

49paid claims since 1978

$298Kpaid to owners

4homes flooded more than once

19782026

Biggest named events

Tropical Storm Ivan: 16 claims, $244K
Not a named storm: 6 claims, $7K
Tropical Storm Lee: 1 claim, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Snyder County.

Disasters that hit Middleburg

2 federal disasters brought FEMA money here

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

Brought FEMA money into MiddleburgDeclared for Snyder County only

2011

Tropical Storm Lee

11 households applied for aid $27K aid approved

2004

Tropical Depression Ivan

31 households applied for aid $36K aid approved

Snyder County has had 14 natural disasters declared since 1953, most often floods and hurricanes.

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