Insurance in Midland, Texas

Water on Wadley Avenue and the Midland Draw

Inside Midland, flash floods keep returning to the same streets. NOAA's Storm Events Database logs water at Wadley Avenue and Midkiff Road in 2015, 2016, 2017 and 2022, including two to three feet of running water there on June 12, 2016. On July 4, 2019, NOAA logged water five feet over the frontage road along Business 20 at Midland Draw, just outside the city, one of six draws and channels in the city's Master Drainage Plan. The fire department reported 41 high-water rescues around Midland on September 2, 2024, and emergency management counted 21 vehicles stalled in high water on July 3, 2025.

A car stalled in high water at Wadley and Midkiff would typically be a comprehensive claim, if you carry that coverage; liability-only coverage does not pay for damage to your own vehicle. A house needs its own flood policy, which normally takes effect 30 days after purchase (flood insurance). The city's floodplain and drainage page links an interactive floodplain map, and elevation certificate requests go to floodplain@midlandtexas.gov.

Loop 250 hail and an airport tornado

On April 23, 2019, a storm that passed over the airport did most of its damage along West Loop 250, sending fans at a RockHounds game under the rafters as baseball size hail fell, and 2-inch stones near Midland Airpark seriously damaged vehicles. On May 30, 2024, an EF-2 tornado crossed I-20 near Midland International Air and Space Port, and the same storm dropped hail up to baseball size on the Legends Park subdivision for 30 minutes to an hour. If your roof was replaced after either storm, check how your policy now settles it: replacement cost or actual cash value (roof coverage).

Oilfield traffic, road work and crash reports

TxDOT counts 25,126 crashes, 284 deaths and 923 serious injuries on Permian Basin roads in 2025. Its 2024 table puts 2,704 crashes inside Midland, 19 of them fatal, with 20 people killed. TxDOT has awarded the contract for a new Loop 250 interchange at Todd Drive (main lanes between Fairgrounds Road and Elkins Road plus an overpass), and its Odessa District lists it among active projects as of November 2026, and with the city has proposed an added lane each way on Business 158 (Andrews Highway) from Loop 250 to Midland Drive. Uninsured motorist and collision coverage deserve a close look on these roads.

Midland Police sell crash reports at the MPD Records window, 601 N. Loraine, typically after 1 p.m. five days after the crash (some take up to 10 days), and online through the department's report page. Midland is listed in both Midland County and Martin County. In June 2021, NOAA logged flooding between Midland and Odessa that put water in homes in east Odessa. Lubbock gets some of its worst spring hail from similar dryline storms, as on May 20, 2020.

• Emergency alerts: the City of Midland's Everbridge sign-up for severe weather, road closure and evacuation alerts.
• Midland County burn ban page: shows whether a county ban is in force for unincorporated areas; under Texas Local Government Code 352.081 an order can last no more than 90 days.

Local risk: the federal disaster record in Midland

Since 2000, FEMA has made 15 disaster, emergency or fire-management declarations covering Midland County. By type:

• Wildfires: 8
• Hurricanes and coastal storms: 3
• Winter and ice storms: 2

Most recent major disaster declarations:

• 2021: Severe Winter Storms
• 2011: Wildfires
• 2005: Extreme Wildfire Threat
• 2005: Hurricane Rita

Wildfire risk makes replacement-cost coverage, adequate dwelling limits and additional living expenses coverage especially important. Keep a home inventory somewhere other than your home.

Winter storms can freeze pipes and cut power. Most home policies cover sudden burst-pipe damage, but insurers can deny claims when a home wasn't kept heated. Ask how your policy handles it.

Not every hurricane declaration here means a storm hit: many were emergency declarations for sheltering evacuees from the coast, or statewide declarations. Midland is far from storm surge, but tropical systems moving inland can still bring heavy rain and strong wind. Check your wind and hail deductible and whether you need a separate flood policy, since home policies leave flooding out.

Declarations count how often federal help was declared, not how bad each event was. Statewide declarations (such as the February 2021 winter storm) are counted for every county, and the total includes the two 2020 COVID-19 declarations, which aren’t listed by type. These are Midland County figures; FEMA doesn't publish them by city.

Home insurance in Midland

Midland County isn't in TWIA's coastal area, so wind and hail are usually covered by your regular home policy, often with a separate wind and hail deductible. If you can't find coverage at all, the Texas FAIR Plan is the last-resort option.

Flooding isn’t covered by standard home or renters policies anywhere in Texas. With 3 flood or hurricane declarations in Midland County since 2000, it's worth pricing a flood policy even outside a mapped flood zone.

Texas law also sets claim deadlines: your insurer must acknowledge a claim within 15 days and accept or deny it within 15 business days of getting what it needs. See Texas home insurance.

Car insurance in Midland

Every Texas driver needs at least 30/60/25 liability coverage. PIP is included and uninsured motorist coverage must be offered unless you reject them in writing. Given the storm and flood history here, comprehensive coverage, which pays for hail and flood damage to your own car, matters more than the minimum suggests. Rates vary by ZIP code within Midland. See Texas car insurance.

Medicare in Midland

22,557 Midland County residents are eligible for Medicare, and 40.77% of them are enrolled in a Medicare Advantage plan (CMS, September 2026). Plans are sold by county, so compare what’s available in your ZIP code on the Medicare Plan Finder, and review your coverage during Open Enrollment, October 15 to December 7.

Free, unbiased Medicare counseling for Midland County comes from the Permian Basin AAA (432-563-1061), part of Texas’s HICAP program. See Medicare in Texas.

ZIP codes in Midland

79701 · 79702 · 79703 · 79704 · 79705 · 79706 · 79707 · 79708 · 79710 · 79711 · 79712

Common questions