Photo: Colcholl · Public domainStorms, floods and disasters in Midway
Midway isn’t graded for hazard risk: Midway has 257 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 2016.
What Midway 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
Hurricanes
Tornadoes
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 Midway flood? Rarely: 4 flood claims since 2016
Every paid claim on a federal flood insurance policy in Midway, from FEMA’s records.
- Hurricane Harvey1 claim · $33K
- The Fall 2018 Texas Flooding1 claim · $35K
Midway isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.8 federal disasters brought FEMA money to Midway
Disasters that paid out in Midway itself (aid to households or repair grants to the City of Midway), newest first, with that year’s flood claims.
- 2024Hurricane Beryl2 households applied for aid$4K aid approved
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding8 households applied for aid$70K aid approved
- 2021Severe Winter Storms57 households applied for aid$14K aid approved
- 2017Hurricane Harvey7 households applied for aid$26K aid approved1 flood claim paid for it, $33K
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding16 households applied for aid$47K aid approved$9K to the City of Midway for repairs
- 2008Hurricane Ike154 households applied for aid$66K aid approved
Show all 8
- 2007Severe Storms, Tornadoes, and Flooding$7K to the City of Midway for repairs
- 2002Severe Storms, Tornadoes and Flooding7 households applied for aid$65K aid approved
Madison County has had 22 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Midway after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Midway archive →Get ready for what Midway 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.
- 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.
- 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.
- 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
Does Midway flood?
Flood insurance has paid 4 claims in Midway since 2016, $95K in all. The most claims came from Hurricane Harvey (1).
Is Midway 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 Madison County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Midway?
FEMA’s Community Rating System list shows no discount for Midway’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 Midway?
By FEMA money that reached Midway, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 8 households applied for aid, $70K approved. By flood claims, Hurricane Harvey: 1 paid, $33K.
Storm stories
Memories, warnings and help from neighbors in Midway.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Midway’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.