Photo: Generic1139 · CC BY 3.0FEMA expects about as much hazard damage per building in Middlesex Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Middlesex Township gets a B− for hazard risk: higher expected damage per building than 50% of U.S. towns, #760 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 7 claims here since 1984.
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 Middlesex 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
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 Middlesex Township’s grade
River and rain flooding is 95% of the building damage FEMA expects in Middlesex Township, and Middlesex Township’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts.
B− #760 of 1,037 in Pennsylvania; higher expected damage per building than 50% of U.S. towns (21,298).
All of Middlesex Township’s residents live in one census tract; the figures are that tract’s.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Middlesex Township has more expected damage per building than 73% of Pennsylvania towns.
In dollars, FEMA expects about $1.8M a year in losses across Middlesex Township: $1.6M to buildings, the rest to people and crops.
Does Middlesex Township flood? Rarely: 7 flood claims since 1984
Every paid claim on a federal flood insurance policy in Middlesex Township, from FEMA’s records: 2.3 per 1,000 homes, fewer than 58% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan2 claims · $10K
Middlesex 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: Butler County.The storms Middlesex Township remembers
None of the 8 disasters declared for Butler County shows FEMA aid or repair money reaching Middlesex Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20043 flood claims paidThe year of Tropical Depression Ivan, declared for Butler County
- 19841 flood claims paidNo declaration for the county that year
- 19871 flood claims paidNo declaration for the county that year
Butler County has had 8 natural disasters declared by the President since 1953, most often floods, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Middlesex Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Middlesex Township archive →Middlesex Township and its neighbors
Middlesex Township is 6th 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 |
|---|---|---|---|
| Richland Township | A+less damage than 98% | river and rain flooding | 6 |
| West Deer Township | A+less damage than 97% | river and rain flooding | 27 |
| Clinton Township | Aless damage than 86% | river and rain flooding | 46 |
| Adams Township | A−less damage than 84% | river and rain flooding | 18 |
| Penn Township | A−less damage than 82% | river and rain flooding | 32 |
| Middlesex Township | B−more damage than 50% | river and rain flooding | 7 |
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 Middlesex 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.
- 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 Middlesex Township
Is Middlesex Township at risk for natural disasters?
On FEMA’s National Risk Index, Middlesex Township has higher expected damage per building than 50% of U.S. towns: B− for hazard risk, #760 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (95%). 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 Middlesex Township flood?
Flood insurance has paid 7 claims in Middlesex Township since 1984, $24K in all, or 2.3 per 1,000 homes, fewer than 58% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Ivan (2).
Is Middlesex 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 Butler County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Middlesex Township?
FEMA’s Community Rating System list shows no discount for Middlesex 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 Middlesex Township?
By flood claims, Tropical Storm Ivan: 2 paid, $10K.
Is Middlesex Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Middlesex Township’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Middlesex Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Middlesex 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.