Natural hazards · Middlebury

Middlebury, PA natural hazards

Most of the natural-hazard damage FEMA expects in Middlebury comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 12 claims here since 1979.

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

Expected damage

How exposed is Middlebury?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middlebury to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Middlebury faces

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

Inland flooding

88% of expected damage

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

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

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 Middlebury flood?

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

12paid claims since 1979

$121Kpaid to owners

2homes flooded more than once

19792026

Biggest named events

Tropical Storm Ivan: 1 claim, $351

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

Insurance rates: Tioga County.

Disasters that hit Middlebury

Federal disasters declared here

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

Brought FEMA money into MiddleburyDeclared for Tioga County only

Tioga County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Middlebury

Middlebury and the towns around it

Very lowLowModerateHighVery high

Delmarmostly inland floodingVery high

Middleburymostly inland floodingHigh

Chathammostly inland floodingHigh

Charlestonmostly inland floodingHigh

Farmingtonmostly inland floodingHigh

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. Middlebury covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Middlebury’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Middlebury. 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 Middlebury total about $1.9M 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.