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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 409 claims here since 1986. 4 federal disasters brought FEMA money into town.

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

How exposed is Midland?

45
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Midland to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding56%Cold waves14%Tornadoes14%Strong wind8%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

56% of expected damage
Above average · higher than 64% of U.S. places
Recorded about once a year in the area

Cold waves

14% of expected damage
Above average · higher than 54% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

14% of expected damage
Well above average · higher than 75% of U.S. places

Strong wind

8% of expected damage
Well above average · higher than 94% of U.S. places
Recorded about 3 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.

409paid claims since 1986
$24.4Mpaid to owners
107homes flooded more than once
19862026

Homes that flooded again and again

Each house = 2 homes. ■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 25% off flood insurance. Midland is in FEMA’s Community Rating System (class 5) for its flood-proofing work.
Insurance rates: Midland County.

What’s been done with FEMA grants

31flood-prone properties bought out and cleared
1flood-prone homes bought out and moved
Disasters that hit Midland

4 federal disasters brought FEMA money here

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

Brought FEMA money into MidlandDeclared for Midland County only
2020

Severe Storms and Flooding

1,330 households applied for aid $11.3M aid approved $4.1M to the City of Midland for repairs
2017

Severe Storms and Flooding

1,108 households applied for aid $2.7M aid approved
2013

Flooding

$80K to the City of Midland for repairs
2000

Snow

$30K to the City of Midland for repairs
Midland County has had 11 natural disasters declared since 1953, most often floods and severe storms.
Around Midland

Midland and the towns around it

Homer: High, mostly inland floodingMidland: Moderate, mostly inland floodingLarkin: Low, mostly inland floodingLincoln: Low, mostly inland floodingWilliams: Low, mostly inland floodingIngersoll: Moderate, mostly inland floodingMount Haley: Moderate, mostly inland floodingLee: High, mostly inland floodingBeaver: Moderate, mostly inland floodingMills: Low, mostly inland floodingJerome: High, mostly inland floodingSanford: High, mostly inland floodingHope: Low, mostly inland floodingMonitor: Moderate, mostly inland floodingTittabawassee: Moderate, mostly inland floodingRichland: Low, mostly inland floodingMidland: Moderate, mostly inland flooding MidlandHomerMidlandLarkinLincolnWilliamsIngersoll
Very lowLowModerateHighVery high
Homermostly inland floodingHigh
Ingersollmostly inland floodingModerate
Midlandmostly inland floodingModerate
Midlandmostly inland floodingModerate
Williamsmostly inland floodingLow
Lincolnmostly inland floodingLow
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 10 census tracts, 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 City 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 $15.9M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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