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C+Hazard risk
Natural hazards in Midway · FEMA

FEMA expects more hazard damage per building in Midway than in 62% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Midway gets a C+ for hazard risk: higher expected damage per building than 62% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then tornadoes (11%). Flood insurance has paid 3 claims here since 2015.

River and rain flooding 77%Tornadoes 11%Strong wind 4%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 62%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C+
in Kentucky · higher than 62% of U.S. towns
Main hazard
River and rain flooding
77% of expected building damage
Flood claims
3
paid since 2015 · $35K
Flooded more than once
2
properties
Disasters paid out here
9
of 19 declared for Woodford County
By hazard

What Midway 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

77%of expected building damage
Above average · higher than 72% of U.S. census tracts
Recorded about once every 2 years in the area

Tornadoes

11%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Smaller shares here
 Strong wind Earthquakes Hail Ice storms Winter storms Hurricanes Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.
Hazard risk grade

What’s behind Midway’s grade

River and rain flooding is 77% of the building damage FEMA expects in Midway, and Midway’s rate of river and rain flooding damage is higher than 72% of U.S. census tracts. Strong wind adds 4%, at a rate in the top 7% of U.S. census tracts.

Where Midway sits
Midway
Least damageMiddleMost damage

C+ higher expected damage per building than 62% of U.S. towns (21,298).

All of Midway’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding77%Tornadoes11%Strong wind4%Everything else8%

In dollars, FEMA expects about $1.2M a year in losses across Midway: $882K to buildings, the rest to people and crops.

Shared tract.All of Midway’s 1,718 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Midway flood? Rarely: 3 flood claims since 2015

Every paid claim on a federal flood insurance policy in Midway, from FEMA’s records: 4.2 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2015: 2 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 1 claim20152026
20152026
3
paid claims since 2015
$35K
paid to owners
2
homes flooded more than once
$12K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Woodford County.
What’s been done with FEMA grants
2storm safe rooms built
Disasters

9 federal disasters brought FEMA money to Midway

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

  1. 2025Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides8 households applied for aid$21K aid approved$265K to the City of Midway for repairs
  2. 2024Severe Storms, Straight-line Winds, Tornadoes, Landslides, and Mudslides$18K to the City of Midway for repairs
  3. 2023Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides$28K to the City of Midway for repairs
  4. 2015Severe Winter Storm, Snowstorm, Flooding, Landslides, and Mudslides$5K to the City of Midway for repairs
  5. 2015Severe Winter Storms, Snowstorms, Flooding, Landslides, and Mudslides$5K to the City of Midway for repairs
  6. 2010Severe Storms, Flooding, Mudslides, and Tornadoes6 households applied for aid$15K aid approved
Show all 9
  1. 2009Severe Winter Storm and Flooding$35K to the City of Midway for repairs
  2. 2004Severe Storms, Tornadoes, Flooding, and Mudslides2 households applied for aid$5K aid approved
  3. 2003Severe Winter Ice and Snow Storms, Heavy Rain, Flooding, Tornadoes, and Mud and4 households applied for aid$54K to the City of Midway for repairs
Disasters declared, by decade
Paid out in MidwayWoodford County only

Woodford County has had 19 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Midway archive →
Be ready

Get ready for what Midway 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 ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
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 Midway

Is Midway at risk for natural disasters?

On FEMA’s National Risk Index, Midway has higher expected damage per building than 62% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (77%) and tornadoes (11%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Midway flood?

Flood insurance has paid 3 claims in Midway since 2015, $35K in all, or 4.2 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.

Is Midway 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 Woodford County, 36% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Midway?

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

By FEMA money that reached Midway, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslides (2025): 8 households applied for aid, $21K approved, and $265K to the City of Midway for repairs.

Is Midway at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (77%), and Midway’s rate for it is higher than 72% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Midway.

Town Square →
Start the conversation

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