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–Not graded
Natural hazards in Halfway House · FEMA

Storms, floods and disasters in Halfway House

Halfway House isn’t graded for hazard risk: Halfway House is a Census area inside a town, graded with the town. Flood insurance has paid 1 claim here since 2006.

Flood claims
1
paid since 2006 · $14K
Disasters paid out here
0
of 23 declared for Montgomery County
By hazard

What Halfway House 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

82%of expected building damage
Below average · lower than 72% of U.S. census tracts
Recorded about 6 times a year in the area

Tornadoes

6%of expected building damage
About average · higher than 52% of U.S. census tracts

Hurricanes

5%of expected building damage
Above average · higher than 64% of U.S. census tracts
Recorded about once every 12 years in the area
Smaller shares here
 Earthquakes Strong wind Winter storms Hail Ice storms Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 15% of Halfway House’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.
Flood insurance claims

Does Halfway House flood? Rarely: 1 flood claim since 2006

Every paid claim on a federal flood insurance policy in Halfway House, from FEMA’s records.

Paid flood claims, by year
2006: 1 claim2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2006
20062026
1
paid claims since 2006
$14K
paid to owners
0
homes flooded more than once
$14K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Montgomery County.
Disasters

The storms Halfway House remembers

None of the 23 disasters declared for Montgomery County shows FEMA aid or repair money reaching Halfway House itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20061 flood claims paidThe year of Severe Storms, Flooding, and Mudslides, declared for Montgomery County
Disasters declared, by decade
Paid out in Halfway HouseMontgomery County only

Montgomery County has had 23 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.

Were you here?

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

Add to the Halfway House archive →
Be ready

Get ready for what Halfway House 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 ↗
Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
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 Halfway House

Does Halfway House flood?

Flood insurance has paid 1 claim in Halfway House since 2006, $14K in all.

Is Halfway House 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 Montgomery County, 47% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.

How much is flood insurance in Halfway House?

FEMA’s Community Rating System list shows no discount for Halfway House’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Halfway House.

Town Square →
Start the conversation

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