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Natural hazards · Middlebury

Middlebury, VT natural hazards

Most of the natural-hazard damage FEMA expects in Middlebury comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 5 claims here since 1982. 7 federal disasters brought FEMA money into town.

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

How exposed is Middlebury?

11
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middlebury to be higher than in 11% of U.S. communities, mostly from inland flooding.

Inland flooding65%Cold waves7%Earthquakes5%Everything else24%
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

65% of expected damage
Below average · higher than 27% of U.S. places
Recorded about 2 times a year in the area

Cold waves

7% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 3 times a year in the area

Earthquakes

5% of expected damage
Above average · higher than 52% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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.

5paid claims since 1982
$11Kpaid to owners
0homes flooded more than once
19822026

Biggest named events

  • Vermont/New York Flooding: 1 claim, $2K
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: Addison County.
Disasters that hit Middlebury

7 federal disasters brought FEMA money here

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

Brought FEMA money into MiddleburyDeclared for Addison County only
2024

Severe Storm, Flooding, Landslides, and Mudslides

7 households applied for aid $3K aid approved
2023

Severe Storms and Flooding

$846K to the Town of Middlebury for repairs
2023

Severe Storms, Flooding, Landslides, and Mudslides

$366K to the Town of Middlebury for repairs
2017

Severe Storms and Flooding

$53K to the Town of Middlebury for repairs
2011

Tropical Storm Irene

13 households applied for aid $36K aid approved $65K to the Town of Middlebury for repairs
2008

Severe Storms and Flooding

$1.0M to the Town of Middlebury for repairs
2001

Snow

$21K to the Town of Middlebury for repairs
Addison County has had 25 natural disasters declared since 1953, most often severe storms and floods.
Around Middlebury

Middlebury and the towns around it

Weybridge: Very low, mostly inland floodingCornwall: Very low, mostly inland floodingNew Haven: Very low, mostly inland floodingBristol: Low, mostly inland floodingRipton: Moderate, mostly inland floodingSalisbury: Very low, mostly inland floodingAddison: Very low, mostly inland floodingBridport: Very low, mostly inland floodingWhiting: Very low, mostly inland floodingShoreham: Very low, mostly inland floodingWaltham: Very low, mostly inland floodingMonkton: Low, mostly inland floodingFerrisburgh: Low, mostly inland floodingLincoln: Moderate, mostly inland floodingStarksboro: Low, mostly inland floodingGranville: Moderate, mostly inland floodingHancock: Moderate, mostly inland floodingGoshen: Moderate, mostly inland floodingLeicester: Very low, mostly inland floodingMiddlebury: Very low, mostly inland flooding MiddleburyWeybridgeCornwallNew HavenBristolRiptonSalisbury
Very lowLowModerateHighVery high
Riptonmostly inland floodingModerate
Bristolmostly inland floodingLow
Weybridgemostly inland floodingVery low
New Havenmostly inland floodingVery low
Salisburymostly inland floodingVery low
Cornwallmostly inland floodingVery low
Middleburymostly 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. Middlebury covers 2 census tracts, 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 Town 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 $2.2M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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