Natural hazards · Midway

Midway, TX natural hazards

Most of the natural-hazard damage FEMA expects in Midway comes from drought, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2016. 7 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Midway?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Midway to be higher than in 29% of U.S. communities, mostly from drought and cold waves.

Drought31%Cold waves29%Tornadoes12%Hurricanes9%Inland flooding9%Everything else10%

By hazard

What Midway faces

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

Drought

31% of expected damage

Recorded about 28 times a year in the area

Cold waves

29% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Tornadoes

12% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once every 16 years in the area

Hurricanes

9% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 15 years in the area

Inland flooding

9% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about once a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Midway flood?

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

4paid claims since 2016

$95Kpaid to owners

0homes flooded more than once

20162026

Biggest named events

Hurricane Harvey: 1 claim, $33K
Fall 2018 Texas Flooding: 1 claim, $35K

of all homes
are insured

No community discount. 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.

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Midway

7 federal disasters brought FEMA money here

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

Brought FEMA money into MidwayDeclared for Madison County only

2024

Hurricane Beryl

2 households applied for aid $4K aid approved

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

8 households applied for aid $70K aid approved

2021

Severe Winter Storms

57 households applied for aid $14K aid approved

2017

Hurricane Harvey

7 households applied for aid $26K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

16 households applied for aid $47K aid approved $9K to the City of Midway for repairs

2008

Hurricane Ike

154 households applied for aid $66K aid approved

2007

Severe Storms, Tornadoes, and Flooding

$7K to the City of Midway for repairs

Madison County has had 23 natural disasters declared since 1953, most often floods 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. Midway covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Midway’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the City of Midway. 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 Midway total about $2.2M 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.