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Middleburg, Virginia (6044577732)Photo: La Citta Vita · CC BY-SA 2.0
–Not graded
Natural hazards in Middleburg · FEMA

Storms, floods and disasters in Middleburg

Middleburg isn’t graded for hazard risk: Middleburg has 774 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2015.

Flood claims
1
paid since 2015 · $2K
Disasters paid out here
4
of 12 declared for Loudoun County
By hazard

What Middleburg 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

82%of expected building damage
Below average · lower than 64% of U.S. census tracts
Recorded about 3 times a year in the area

Hurricanes

5%of expected building damage
Above average · higher than 66% of U.S. census tracts
Recorded about once every 11 years in the area
Smaller shares here
 Tornadoes Earthquakes Hail Strong wind Wildfire Winter storms Cold waves Lightning Ice storms Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 14% of Middleburg’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Middleburg flood? Rarely: 1 flood claim since 2015

Every paid claim on a federal flood insurance policy in Middleburg, from FEMA’s records.

Paid flood claims, by year
2015: 1 claim2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2015
20152026
Biggest named events
  • The October severe storms1 claim · $2K
1
paid claims since 2015
$2K
paid to owners
0
homes flooded more than once
$2K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Middleburg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Loudoun County.
Disasters

4 federal disasters brought FEMA money to Middleburg

Disasters that paid out in Middleburg itself (aid to households or repair grants to the Town of Middleburg), newest first, with that year’s flood claims.

  1. 2016Severe Winter Storm and Snowstorm$27K to the Town of Middleburg for repairs
  2. 2012Hurricane Sandy$4K to the Town of Middleburg for repairs
  3. 2003Hurricane Isabel6 households applied for aid$8K aid approved$5K to the Town of Middleburg for repairs
  4. 2003Severe Winter Storm, Record/near Record Snowfall, Heavy Rain,floodind, and Mudslide$23K to the Town of Middleburg for repairs
Disasters declared, by decade
Paid out in MiddleburgLoudoun County only

Loudoun County has had 12 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Middleburg after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Middleburg archive →
Be ready

Get ready for what Middleburg faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Middleburg

Does Middleburg flood?

Flood insurance has paid 1 claim in Middleburg since 2015, $2K in all. The most claims came from October severe storms (1).

Is Middleburg 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 Loudoun County, 91% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.

How much is flood insurance in Middleburg?

FEMA’s Community Rating System list shows no discount for Middleburg’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 Middleburg?

By FEMA money that reached Middleburg, Severe Winter Storm and Snowstorm (2016): $27K to the Town of Middleburg for repairs. By flood claims, October severe storms: 1 paid, $2K.

Storm stories

Memories, warnings and help from neighbors in Middleburg.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Middleburg’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.