Photo: MattMauler · CC BY-SA 3.0More hazard damage per building is expected in Middletown than in 82% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Middletown gets a C− for hazard risk: higher expected damage per building than 82% of U.S. towns, #978 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (91%). Flood insurance has paid 340 claims here since 1978.
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 stands out about Middletown’s natural hazards
From FEMA’s model and FEMA’s records, below.
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
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 91% of the building damage FEMA expects in Middletown, and Middletown’s rate of river and rain flooding damage is in the top 10% of U.S. census tracts.
C− #978 of 1,037 in Pennsylvania; higher expected damage per building than 82% of U.S. towns (21,298).
Middletown’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Middletown has more expected damage per building than 94% of Pennsylvania towns.
In dollars, FEMA expects about $3.8M a year in losses across Middletown: $3.3M to buildings, the rest to people and crops.
Does Middletown flood? Yes: 340 flood claims since 1978
Every paid claim on a federal flood insurance policy in Middletown, from FEMA’s records: 71.3 per 1,000 homes, more than 95% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Lee157 claims · $8.0M
- Tropical Storm Ivan79 claims · $768K
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: Dauphin County.3 federal disasters brought FEMA money to Middletown
Disasters that paid out in Middletown itself (aid to households or repair grants to the Borough of Middletown), newest first, with that year’s flood claims.
- 2011Tropical Storm Lee1,150 households applied for aid$5.5M aid approved157 flood claims paid for it, $8.0M
- 2006Severe Storms, Flooding, and Mudslides24 households applied for aid$21K aid approved3 flood claims paid that year
- 2004Tropical Depression Ivan228 households applied for aid$442K aid approved79 flood claims paid for it, $768K
Dauphin County has had 17 natural disasters declared by the President since 1953, most often floods, then winter storms. 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 →Middletown and its neighbors
Middletown is 4th of the 4 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 |
|---|---|---|---|
| Lower Swatara Township | A−less damage than 77% | river and rain flooding | 91 |
| Londonderry Township | B−more damage than 55% | river and rain flooding | 224 |
| Royalton | B−more damage than 55% | river and rain flooding | 80 |
| Middletown | C−more damage than 82% | river and rain flooding | 340 |
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 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.
- 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 higher expected damage per building than 82% of U.S. towns: C− for hazard risk, #978 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (91%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Middletown flood?
Flood insurance has paid 340 claims in Middletown since 1978, $10.0M in all, or 71.3 per 1,000 homes, more than 95% of U.S. towns with a flood insurance record. 56 properties have flooded more than once. The most claims came from Tropical Storm Lee (157).
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 Dauphin County, 26% of homes in mapped flood zones carry federal flood insurance, and 1.2% 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, Tropical Storm Lee (2011): 1,150 households applied for aid, $5.5M approved. By flood claims, Tropical Storm Lee: 157 paid, $8.0M.
Is Middletown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Middletown’s rate for it is in the top 10% 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.