Less hazard damage per building is expected in Midway Township than in 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Midway Township gets an A− for hazard risk: lower expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 2 claims here since 2018.
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 Midway 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
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 Midway Township’s grade
River and rain flooding is 92% of the building damage FEMA expects in Midway Township, and Midway Township’s rate of river and rain flooding damage is higher than 55% of U.S. census tracts.
A− lower expected damage per building than 75% of U.S. towns (21,298).
All of Midway Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $304K a year in losses across Midway Township: $255K to buildings, the rest to people and crops.
Does Midway Township flood? Rarely: 2 flood claims since 2018
Every paid claim on a federal flood insurance policy in Midway Township, from FEMA’s records: 3.5 per 1,000 homes, more than 52% of the 13,809 U.S. towns with a flood insurance record.
Midway 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: St. Louis County.The storms Midway Township remembers
None of the 13 disasters declared for St. Louis County shows FEMA aid or repair money reaching Midway Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20181 flood claims paidThe year of Severe Storms and Flooding, declared for St. Louis County
- 20191 flood claims paidNo declaration for the county that year
St. Louis County has had 13 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in St. Louis County, 2025–2025.
Old photos of Midway Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Midway Township archive →Midway Township and its neighbors
Midway Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Midway Township | A−less damage than 75% | river and rain flooding | 2 |
| Duluth | B+less damage than 73% | river and rain flooding | 58 |
| Proctor | B+less damage than 73% | river and rain flooding | 2 |
| Thomson Township | C−more damage than 76% | river and rain flooding | 6 |
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 Midway 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.
- 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 Midway Township
Is Midway Township at risk for natural disasters?
On FEMA’s National Risk Index, Midway Township has lower expected damage per building than 75% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (92%). 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 Township flood?
Flood insurance has paid 2 claims in Midway Township since 2018, $6K in all, or 3.5 per 1,000 homes, more than 52% of U.S. towns with a flood insurance record.
Is Midway 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 St. Louis County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Midway Township?
FEMA’s Community Rating System list shows no discount for Midway Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Midway Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Midway Township’s rate for it is higher than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Midway Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Midway 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.