Photo: Redjar at English Wikipedia · CC BY-SA 3.0Storms, floods and disasters in Middletown Springs
Middletown Springs isn’t graded for hazard risk: Middletown Springs has 747 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2011.
What Middletown Springs 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.
Does Middletown Springs flood? Rarely: 1 flood claim since 2011
Every paid claim on a federal flood insurance policy in Middletown Springs, from FEMA’s records.
- Hurricane Irene1 claim · $6K
Middletown Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rutland County.5 federal disasters brought FEMA money to Middletown Springs
Disasters that paid out in Middletown Springs itself (aid to households or repair grants to the Town of Middletown Springs), newest first, with that year’s flood claims.
- 2019Severe Storms and Flooding$36K to the Town of Middletown Springs for repairs
- 2011Tropical Storm Irene14 households applied for aid$27K aid approved$69K to the Town of Middletown Springs for repairs1 flood claim paid for it, $6K
- 2007Severe Storms and Flooding$6K to the Town of Middletown Springs for repairs
- 2001Snow$2K to the Town of Middletown Springs for repairs
- 2000Severe Storms and Flooding$27K to the Town of Middletown Springs for repairs
Rutland County has had 19 natural disasters declared by the President since 1953, most often severe storms, then floods.
Old photos of Middletown Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Middletown Springs archive →Middletown Springs and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
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 Springs 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 Springs
Does Middletown Springs flood?
Flood insurance has paid 1 claim in Middletown Springs since 2011, $6K in all. The most claims came from Hurricane Irene (1).
Is Middletown Springs 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 Rutland County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Middletown Springs?
FEMA’s Community Rating System list shows no discount for Middletown Springs’ 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 Springs?
By FEMA money that reached Middletown Springs, Tropical Storm Irene (2011): 14 households applied for aid, $27K approved, and $69K to the Town of Middletown Springs for repairs. By flood claims, Hurricane Irene: 1 paid, $6K.
Storm stories
Memories, warnings and help from neighbors in Middletown Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Middletown Springs’ 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.