Storms, floods and disasters in Midland Township
Midland Township isn’t graded for hazard risk: Midland Township has 47 residents; we grade towns of 1,000 or more. Flood insurance has paid 127 claims here since 1978.
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
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.
Does Midland Township flood? Yes: 127 flood claims since 1978
Every paid claim on a federal flood insurance policy in Midland Township, from FEMA’s records.
- The Severe flooding1 claim · $598
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: Pembina County.The storms Midland Township remembers
None of the 33 disasters declared for Pembina County shows FEMA aid or repair money reaching Midland Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199786 flood claims paidThe year of Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, declared for Pembina County
- 197918 flood claims paidThe year of Severe Storms, Snowmelt and Flooding, declared for Pembina County
- 20097 flood claims paidThe year of Severe Storms and Flooding, declared for Pembina County
Pembina County has had 33 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.
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
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| St. Thomas Township | — | 106 residents; we grade 1,000+ | |
| Martin Township | — | 90 residents; we grade 1,000+ | |
| Drayton Township | — | 2 residents; we grade 1,000+ | |
| Lincoln Township | — | 25 residents; we grade 1,000+ | |
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.
- 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
Does Midland Township flood?
Flood insurance has paid 127 claims in Midland Township since 1978, $1.1M in all. The most claims came from Severe flooding (1).
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 Pembina County, 13% of homes in mapped flood zones carry federal flood insurance, and 2.3% 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.
What was the biggest storm in Midland Township?
By flood claims, Severe flooding: 1 paid, $598.
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.