Middletown, Ohio: natural disaster risk
How exposed Middletown is to floods, storms and other hazards, from FEMA and NOAA records for Butler County.
Middletown is a city of 51,617 people in Butler County, Ohio. Parts of Middletown also reach into Warren County. FEMA's National Risk Index rates Butler County relatively moderate for natural hazards overall, about average for the US. The costliest hazards there are inland flooding, tornado and cold wave, with about $120 million in expected losses a year across the county. The weather service has logged 606 storm reports in the county since 1951, including 26 tornadoes and 94 floods. About 0.5% of homes in the county carry federal flood insurance.
Risk figures are for Butler County, the county with most of the population Middletown sits in. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Middletown
Full Butler County report ›- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Inland flooding | $62M | |
| Tornado | $28M | |
| Cold wave | $16M | |
| Earthquake | $3M | |
| Strong wind | $3M | |
| Lightning | $2M | |
| Heat wave | $2M | |
| Ice storm | $1M | |
| Hail | $1M | |
| Winter weather | $474K | |
| Drought | $124K | |
| Wildfire | $33K |
Homes in Middletown
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Butler County
More cities in Butler County
Common questions about Middletown
Is Middletown safe from natural disasters?
Middletown is in Butler County, which FEMA's National Risk Index rates relatively moderate overall, about average for the US. The biggest hazards are inland flooding, tornado, cold wave. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Middletown?
By expected yearly losses in Butler County, the top hazards are inland flooding (Moderate), tornado (High), cold wave (High). Butler County has been part of 12 federal disaster or emergency declarations for natural events.
Does Middletown get tornadoes?
Yes. NOAA records list 26 tornadoes in Butler County since 1950; the strongest was an F4 tornado on June 2, 1990. FEMA rates tornado risk in the county high.
Do I need flood insurance in Middletown?
Standard home insurance does not cover floods. In Butler County, about 0.5% of homes have federal flood insurance, and FEMA rates inland flooding risk moderate. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.