🌍 ClimateRiskCheck

Natural Disaster Risk in Middletown

Maryland

7.0out of 10
High Risk

Risk Summary for Middletown

Middletown scores 7.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Extreme Heat Hurricane

All 18 Hazard Scores

Winter Weather
9.2
Extreme Heat
8.7
Hurricane
8.6
Avalanche
8.5
Lightning
8.4
Strong Wind
8.3
Earthquake
7.8
Hail
7.8
Drought
7.5
Tornado
7.1
Landslide
7.1
Ice Storm
6.1
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Cold Wave
4.1
Wildfire
3.7
Riverine Flooding
1.0

How it compares

Middletown
7.0
Maryland avg.
6.5
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Middletown, Maryland

Middletown, in Frederick County, is a city of approximately 11,965 residents situated along the mid-Atlantic coast. Its humid subtropical climate brings warm summers, mild winters, and coastal storm exposure, and in particular tropical storm and nor'easter impacts. These conditions collectively define the natural hazard environment that Middletown residents and property owners must navigate.

Middletown's overall natural disaster risk is rated 7.0/10 (High) by FEMA's National Risk Index. Severe winter storms top the local risk profile, bringing blizzard conditions, ice storms, and extreme cold that pose health risks and cause extensive property and infrastructure damage. Secondary hazards include heat and hurricane.

Within Maryland, Middletown's risk is, slightly above the 6.5/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Frederick County identifies winter as the foremost hazard, followed by heat and hurricane. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a high natural disaster risk rating, Middletown residents benefit from taking preparedness seriously. Reviewing insurance coverage for winter and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Middletown: Winter Weather preparedness

  • Clear roof snow loads when heavy to prevent structural strain and ice dams.
  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.

Local Factors for Middletown

These city-level factors differentiate Middletown from other communities in Frederick County and provide geographic context for its hazard exposure.

Population

11,965

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.7/10

Coordinates

39.4458Β° N, 77.5649Β° W

Frederick County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Middletown

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Middletown

Other cities in Maryland

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.