Natural hazards · Midland

Midland, MI 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 6 claims here since 2017.

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 50% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes16%Cold waves15%Strong wind9%Everything else7%

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

54% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once a year in the area

Tornadoes

16% of expected damage

Well above average · higher than 83% of U.S. places

Cold waves

15% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 3 times a year in the area

Strong wind

9% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

6paid claims since 2017

$231Kpaid to owners

2homes flooded more than once

20172026

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: Midland County.

Disasters that hit Midland

Federal disasters declared here

None of the disasters declared for Midland County shows FEMA aid or repair money reaching Midland itself in FEMA’s records.

Brought FEMA money into MidlandDeclared for Midland County only

Midland County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Midland

Midland and the towns around it

Very lowLowModerateHighVery high

Homermostly inland floodingHigh

Ingersollmostly inland floodingModerate

Midlandmostly inland floodingModerate

Larkinmostly inland floodingLow

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 covers 1 census tract, combined by population.

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 Township of Midland. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Midland total about $761K a year, counting buildings, people and crops.

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.