Natural hazards · Middleton

Middleton, TN natural hazards

Most of the natural-hazard damage FEMA expects in Middleton comes from earthquakes, and overall the risk is moderate for a U.S. community. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Middleton?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middleton to be higher than in 53% of U.S. communities, mostly from earthquakes and tornadoes.

Earthquakes28%Tornadoes24%Inland flooding21%Cold waves14%Heat waves5%Everything else8%

By hazard

What Middleton faces

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

Earthquakes

28% of expected damage

Well above average · higher than 84% of U.S. places

Tornadoes

24% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about once every 10 years in the area

Inland flooding

21% of expected damage

Below average · higher than 37% of U.S. places

Recorded about once a year in the area

Cold waves

14% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Heat waves

5% of expected damage

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

Recorded about 15 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslidesStrong 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 Middleton flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. 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: Hardeman County.

Disasters that hit Middleton

6 federal disasters brought FEMA money here

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

Brought FEMA money into MiddletonDeclared for Hardeman County only

2026

Severe Winter Storm

247 households applied for aid $512K aid approved $16K to the City of Middleton for repairs

2025

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

14 households applied for aid $55K aid approved

2023

Severe Storms, Straight-Line Winds, and Tornadoes

18 households applied for aid $38K aid approved

2010

Severe Storms, Flooding, Straight-Line Winds, and Tornadoes

10 households applied for aid $12K aid approved

2003

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

1999

Severe Storms, Tornadoes and High Winds

$2K to the City of Middleton for repairs

Hardeman County has had 14 natural disasters declared since 1953, most often severe storms and tornadoes.

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