Photo: Nyttend · Public domainOn FEMA’s figures, Middlebury Township faces less hazard damage per building than 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Middlebury Township gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns. Most of that expected damage is river and rain flooding (75%), then tornadoes (10%). Flood insurance has paid 2 claims here since 2011.
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 Township 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
Tornadoes
Hail
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 Township’s grade
River and rain flooding is 75% of the building damage FEMA expects in Middlebury Township, and Middlebury Township’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Next is tornadoes at 10% (higher than 68% of U.S. census tracts).
B+ lower expected damage per building than 74% of U.S. towns (21,298).
All of Middlebury Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $394K a year in losses across Middlebury Township: $321K to buildings, the rest to people and crops.
Does Middlebury Township flood? Rarely: 2 flood claims since 2011
Every paid claim on a federal flood insurance policy in Middlebury Township, from FEMA’s records: 5.0 per 1,000 homes, more than 60% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $2K
Middlebury Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Knox County.The storms Middlebury Township remembers
None of the 8 disasters declared for Knox County shows FEMA aid or repair money reaching Middlebury Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20111 flood claims paidNo declaration for the county that year
- 20131 flood claims paidNo declaration for the county that year
Knox County has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Middlebury Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Middlebury Township archive →Middlebury Township and its neighbors
Middlebury Township is 3rd of the 6 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 |
|---|---|---|---|
| Berlin Township | B+less damage than 75% | river and rain flooding | — |
| Fredericktown | B+less damage than 74% | river and rain flooding | 2 |
| Middlebury Township | B+less damage than 74% | river and rain flooding | 2 |
| Perry Township | B+less damage than 66% | river and rain flooding | — |
| Franklin Township | Bless damage than 64% | river and rain flooding | — |
| Perry Township | B−more damage than 53% | river and rain flooding | — |
| Wayne Township | — | 587 residents; we grade 1,000+ | |
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 Township 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.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Township
Is Middlebury Township at risk for natural disasters?
On FEMA’s National Risk Index, Middlebury Township has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (75%) and tornadoes (10%). 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.
Does Middlebury Township flood?
Flood insurance has paid 2 claims in Middlebury Township since 2011, $9K in all, or 5.0 per 1,000 homes, more than 60% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (1).
Is Middlebury Township 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 Knox County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Middlebury Township?
FEMA’s Community Rating System list shows no discount for Middlebury Township’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 Township?
By flood claims, Late winter storms: 1 paid, $2K.
Is Middlebury Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Middlebury Township’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Middlebury Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Middlebury Township’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.