Photo: O. David Redwine · CC BY-SA 3.0For strong wind, Midland Township’s building-damage rate is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Midland Township gets a B− for hazard risk: higher expected damage per building than 50% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then tornadoes (11%). Flood insurance has paid 6 claims here since 2017.
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
What Midland Township 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
Tornadoes
Strong wind
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.
What’s behind Midland Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Midland Township, and Midland Township’s rate of river and rain flooding damage is higher than 64% of U.S. census tracts. Strong wind adds 7%, at a rate in the top 4% of U.S. census tracts.
B− higher expected damage per building than 50% of U.S. towns (21,298).
Midland Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $924K a year in losses across Midland Township: $646K to buildings, the rest to people and crops.
Does Midland Township flood? Rarely: 6 flood claims since 2017
Every paid claim on a federal flood insurance policy in Midland Township, from FEMA’s records: 7.4 per 1,000 homes, more than 68% of the 13,809 U.S. towns with a flood insurance record.
Midland Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Midland County.The storms Midland Township remembers
None of the 10 disasters declared for Midland County shows FEMA aid or repair money reaching Midland Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20204 flood claims paidThe year of Severe Storms and Flooding, declared for Midland County
- 20171 flood claims paidThe year of Severe Storms and Flooding, declared for Midland County
- 20181 flood claims paidNo declaration for the county that year
Midland County has had 10 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Midland Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Midland Township archive →Midland Township and its neighbors
Midland Township is 3rd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Larkin Township | B+less damage than 73% | river and rain flooding | — |
| Midland | B−less damage than 52% | river and rain flooding | 409 |
| Midland Township | B−more damage than 50% | river and rain flooding | 6 |
| Ingersoll Township | C+more damage than 58% | river and rain flooding | — |
| Homer Township | Cmore damage than 67% | river and rain flooding | 17 |
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 Midland Township 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Midland Township
Is Midland Township at risk for natural disasters?
On FEMA’s National Risk Index, Midland Township has higher expected damage per building than 50% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (77%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Midland Township flood?
Flood insurance has paid 6 claims in Midland Township since 2017, $231K in all, or 7.4 per 1,000 homes, more than 68% of U.S. towns with a flood insurance record. 2 properties have flooded more than once.
Is Midland Township 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 Midland County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Midland Township?
FEMA’s Community Rating System list shows no discount for Midland Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Midland Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Midland Township’s rate for it is higher than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Midland Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Midland Township’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.