On FEMA’s figures, Midway North faces more hazard damage per building than 70% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Midway North gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns, #475 of 642 in Texas. Most of that expected damage is hurricanes (66%), then river and rain flooding (26%). Flood insurance has paid 2 claims here since 2020.
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 North faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Hail
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 North’s grade
Hurricanes are 66% of the building damage FEMA expects in Midway North, and Midway North’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Next is river and rain flooding at 26% (lower than 88% of U.S. census tracts).
C #475 of 642 in Texas; higher expected damage per building than 70% of U.S. towns (21,298).
Midway North’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Midway North has more expected damage per building than 74% of Texas towns.
In dollars, FEMA expects about $1.7M a year in losses across Midway North: $1.2M to buildings, the rest to people and crops.
Does Midway North flood? Rarely: 2 flood claims since 2020
Every paid claim on a federal flood insurance policy in Midway North, from FEMA’s records: 2.4 per 1,000 homes, fewer than 57% of the 13,809 U.S. towns with a flood insurance record.
Midway North isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hidalgo County.The storms Midway North remembers
None of the 26 disasters declared for Hidalgo County shows FEMA aid or repair money reaching Midway North itself in FEMA’s records, so these are its biggest flood-claim years.
- 20201 flood claims paidThe year of Hurricane Hanna, declared for Hidalgo County
- 20251 flood claims paidThe year of Severe Storms and Flooding, declared for Hidalgo County
Hidalgo County has had 26 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Midway North after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Midway North archive →Midway North and its neighbors
Midway North has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Midway North | Cmore damage than 70% | hurricanes | 2 |
| Weslaco | Cmore damage than 71% | hurricanes | 396 |
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 North faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 North
Is Midway North at risk for natural disasters?
On FEMA’s National Risk Index, Midway North has higher expected damage per building than 70% of U.S. towns: C for hazard risk, #475 of 642 in Texas. Most of the expected damage is hurricanes (66%) and river and rain flooding (26%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Midway North flood?
Flood insurance has paid 2 claims in Midway North since 2020, $5K in all, or 2.4 per 1,000 homes, fewer than 57% of U.S. towns with a flood insurance record.
Is Midway North 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 Hidalgo County, 3.7% of all homes carry federal flood insurance.
How much is flood insurance in Midway North?
FEMA’s Community Rating System list shows no discount for Midway North’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Midway North at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (66%), and Midway North’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Midway North.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Midway North’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.