Photo: Acroterion · CC BY-SA 4.0Less hazard damage per building is expected in Middletown than in 98% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Middletown gets an A+ for hazard risk: lower expected damage per building than 98% of U.S. towns, #70 of 261 in Maryland. Most of that expected damage is river and rain flooding (81%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Middletown faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Middletown’s grade
River and rain flooding is 81% of the building damage FEMA expects in Middletown, and Middletown’s rate of river and rain flooding damage is lower than 88% of U.S. census tracts. Next is hurricanes at 6% (higher than 63% of U.S. census tracts).
A+ #70 of 261 in Maryland; lower expected damage per building than 98% of U.S. towns (21,298).
Middletown’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Maryland town has lower expected damage than 97% of U.S. towns; within the state, Middletown has less expected damage per building than 73% of Maryland towns.
In dollars, FEMA expects about $770K a year in losses across Middletown: $569K to buildings, the rest to people and crops.
Does Middletown flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Middletown. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Middletown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Frederick County.5 federal disasters brought FEMA money to Middletown
Disasters that paid out in Middletown itself (aid to households or repair grants to the Town of Middletown), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$25K to the Town of Middletown for repairs
- 2010Severe Winter Storms and Snowstorms$21K to the Town of Middletown for repairs
- 2003Hurricane Isabel4 households applied for aid$8K aid approved
- 2003Snow$7K to the Town of Middletown for repairs
- 2000Severe Winter Storm$3K to the Town of Middletown for repairs
Frederick County has had 19 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Middletown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Middletown archive →Get ready for what Middletown faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Middletown
Is Middletown at risk for natural disasters?
On FEMA’s National Risk Index, Middletown has lower expected damage per building than 98% of U.S. towns: A+ for hazard risk, #70 of 261 in Maryland. Most of the expected damage is river and rain flooding (81%) and hurricanes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Middletown in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Frederick County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Middletown?
FEMA’s Community Rating System list shows no discount for Middletown’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Middletown?
By FEMA money that reached Middletown, Severe Winter Storm and Snowstorm (2016): $25K to the Town of Middletown for repairs.
Is Middletown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (81%), and Middletown’s rate for it is lower than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Middletown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Middletown’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.