Natural hazards · Middlebourne

Middlebourne, WV natural hazards

Most of the natural-hazard damage FEMA expects in Middlebourne comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 7 claims here since 1985. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Middlebourne?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Middlebourne to be higher than in 94% of U.S. communities, mostly from inland flooding.

Inland flooding89%Everything else11%

By hazard

What Middlebourne faces

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

Inland flooding

89% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Middlebourne flood?

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

7paid claims since 1985

$53Kpaid to owners

1homes flooded more than once

19852026

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

Insurance rates: Tyler County.

Disasters that hit Middlebourne

5 federal disasters brought FEMA money here

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

Brought FEMA money into MiddlebourneDeclared for Tyler County only

2015

Severe Winter Storm, Flooding, Landslides, and Mudslides

$5K to the Town of Middlebourne for repairs

2012

Severe Storms and Straight-Line Winds

27 households applied for aid $13K aid approved $2K to the Town of Middlebourne for repairs

2008

Severe Storms, Tornadoes, Flooding, Mudslides, and

4 households applied for aid $12K aid approved

2004

Severe Storms, Flooding, and Landslides

3 households applied for aid $5K aid approved

2000

Flooding, Severe Storms, and Landslides

$4K to the Town of Middlebourne for repairs

Tyler County has had 22 natural disasters declared since 1953, most often severe storms and floods.

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