Natural hazards · North Middleton

North Middleton, PA natural hazards

Most of the natural-hazard damage FEMA expects in North Middleton comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 21 claims here since 1978.

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

Expected damage

How exposed is North Middleton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in North Middleton to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding72%Hurricanes9%Everything else20%

By hazard

What North Middleton faces

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

Inland flooding

72% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

9% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 14 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 North Middleton flood?

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

21paid claims since 1978

$162Kpaid to owners

2homes flooded more than once

19782026

Biggest named events

Tropical Storm Ivan: 4 claims, $95K
Not a named storm: 1 claim, $214

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

Insurance rates: Cumberland County.

Disasters that hit North Middleton

Federal disasters declared here

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

Brought FEMA money into North MiddletonDeclared for Cumberland County only

Cumberland County has had 16 natural disasters declared since 1953, most often floods and winter storms.

Around North Middleton

North Middleton and the towns around it

Very lowLowModerateHighVery high

Carrollmostly inland floodingModerate

Springmostly inland floodingModerate

North Middletonmostly inland floodingLow

Carlislemostly inland floodingLow

West Pennsboromostly inland floodingLow

Lower Frankfordmostly inland floodingVery low

Middlesexmostly 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. North Middleton covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to North Middleton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of North Middleton. 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 North Middleton total about $3.0M 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.