Natural hazards · Twin Lakes

Twin Lakes, IA natural hazards

Most of the natural-hazard damage FEMA expects in Twin Lakes comes from tornadoes, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Twin Lakes?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Twin Lakes to be higher than in 32% of U.S. communities, mostly from tornadoes and drought.

Tornadoes28%Drought21%Inland flooding19%Cold waves12%Hail10%Strong wind6%Everything else3%

By hazard

What Twin Lakes faces

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

Tornadoes

28% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 16 years in the area

Drought

21% of expected damage

Recorded about 17 times a year in the area

Inland flooding

19% of expected damage

Below average · higher than 25% of U.S. places

Recorded about 2 times a year in the area

Cold waves

12% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 9 times a year in the area

Hail

10% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 5 times a year in the area

Strong wind

6% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Twin Lakes flood?

FEMA's records show no paid flood insurance claims in Twin Lakes.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Twin Lakes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Calhoun County.

Disasters that hit Twin Lakes

Federal disasters declared here

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

Brought FEMA money into Twin LakesDeclared for Calhoun County only

Calhoun County has had 16 natural disasters declared since 1953, most often severe storms and floods.

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. Twin Lakes is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Twin Lakes’s own flood-insurance community; household aid to the registrant’s city; repair grants to Twin Lakes. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.