Photo: Pollinator (Uploads) · CC BY-SA 3.0On FEMA’s figures, Middlebury faces less hazard damage per building than 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Middlebury gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (92%). 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 Middlebury 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
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 Middlebury’s grade
River and rain flooding is 92% of the building damage FEMA expects in Middlebury, and Middlebury’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts.
B+ lower expected damage per building than 72% of U.S. towns (21,298).
All of Middlebury’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $395K a year in losses across Middlebury: $289K to buildings, the rest to people and crops.
Does Middlebury flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Middlebury. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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: Wyoming County.4 federal disasters brought FEMA money to Middlebury
Disasters that paid out in Middlebury itself (aid to households or repair grants to the Town of Middlebury), newest first, with that year’s flood claims.
- 2014Severe Winter Storm, Snowstorm, and Flooding$11K to the Town of Middlebury for repairs
- 2001Snow$11K to the Town of Middlebury for repairs
- 1999Snow$1K to the Town of Middlebury for repairs
- 1999Snow$2K to the Town of Middlebury for repairs
Wyoming County has had 18 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Middlebury after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Middlebury archive →Middlebury and its neighbors
Middlebury is 3rd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bethany | Aless damage than 86% | river and rain flooding | — |
| Covington | B+less damage than 72% | river and rain flooding | — |
| Middlebury | B+less damage than 72% | river and rain flooding | 0 |
| Attica | B+less damage than 69% | river and rain flooding | 6 |
| Warsaw | Dmore damage than 85% | river and rain flooding | 4 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Middlebury 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.
- 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 Middlebury
Is Middlebury at risk for natural disasters?
On FEMA’s National Risk Index, Middlebury has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (92%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Middlebury 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 Wyoming County, 0.5% of all homes carry federal flood insurance.
How much is flood insurance in Middlebury?
FEMA’s Community Rating System list shows no discount for Middlebury’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 Middlebury?
By FEMA money that reached Middlebury, Severe Winter Storm, Snowstorm, and Flooding (2014): $11K to the Town of Middlebury for repairs.
Is Middlebury at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Middlebury’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Middlebury.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Middlebury’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.