Natural Disaster Risk in Middletown
Virginia
Risk Summary for Middletown
Middletown scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Avalanche.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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, Virginia
Located along the mid-Atlantic coast in Frederick County, Middletown is a town of roughly 4,639 residents. The humid subtropical climate that characterizes this part of Virginia β marked by hot, humid summers and four distinct seasons β directly influences the types and severity of natural hazards present, making Middletown a community where hazard awareness has real practical value.
FEMA rates Middletown's composite natural disaster risk at 6.0 out of 10 β high risk. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. Residents should also account for hurricane and landslide risk in their preparedness planning.
Relative to other U.S. communities, Middletown's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.1/10 state average. The hazard distribution here is led by avalanche and hurricane, as measured by FEMA across Frederick County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
Middletown's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for Middletown: Avalanche preparedness
- Be aware of slope angles and recent snow loading, which drive avalanche risk.
- Properties in runout zones may require specialized hazard assessment and insurance.
- Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
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
4,639
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.0Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 6.3/10
Coordinates
39.0215Β° N, 78.2746Β° 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
Notable Weather Days (last 12 months)
ZIP Codes in Middletown
Other cities in Virginia
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.