Natural hazards · Midland

Midland, MD natural hazards

Most of the natural-hazard damage FEMA expects in Midland comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1996. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Midland?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Midland to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding80%Strong wind6%Everything else14%

By hazard

What Midland faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

80% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Strong wind

6% of expected damage

Above average · higher than 61% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic activity

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 Midland flood?

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

12paid claims since 1996

$68Kpaid to owners

1homes flooded more than once

19962026

Biggest named events

Hurricane Fran: 3 claims, $13K
Hurricane Isabel: 1 claim, $16K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Midland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Allegany County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Midland

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Midland itself: aid to households, or repair grants to the Town of Midland.

Brought FEMA money into MidlandDeclared for Allegany County only

2016

Severe Winter Storm and Snowstorm

$3K to the Town of Midland for repairs

2010

Severe Winter Storms and Snowstorms

$6K to the Town of Midland for repairs

2003

Snow

$2K to the Town of Midland for repairs

Allegany County has had 14 natural disasters declared since 1953, most often winter storms and hurricanes.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Midland is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Midland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Midland. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.