Margaret K. Wetterer 
Midnight Adventure of Kate Shelley, Train Rescuer [PDF ebook] 

With the bridge out and a train on the way . . . a girl must get a warning to the station in time. Moingona, Iowa, 1881. Kate Shelley lives on a farm near Honey Creek with her mother and younger brothers and sisters. When a terrible storm makes the creek flood, the railroad bridge is washed out. Kate fears that the Midnight Express will crash into the raging waters. Kate sets out into the storm to give warning. Will she reach the station in time to stop the train?