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Natural hazards · Two Harbors

Two Harbors, MN natural hazards

Most of the natural-hazard damage FEMA expects in Two Harbors comes from cold waves, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2012. 5 federal disasters brought FEMA money into town.

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

How exposed is Two Harbors?

6
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Two Harbors to be higher than in 6% of U.S. communities, mostly from cold waves and strong winds.

Cold waves48%Strong wind26%Inland flooding15%Lightning6%Everything else6%
By hazard

What Two Harbors faces

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

Cold waves

48% of expected damage
Above average · higher than 74% of U.S. places
Recorded about 16 times a year in the area

Strong wind

26% of expected damage
Well below average · higher than 13% of U.S. places
Recorded about once a year in the area

Inland flooding

15% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about once every 4 years in the area

Lightning

6% of expected damage
Well above average · higher than 95% of U.S. places

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherHeat wavesWildfireLandslides

Not a risk here

HurricanesEarthquakesDroughtAvalanchesTsunamisVolcanic 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 Two Harbors flood?

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

1paid claims since 2012
$251Kpaid to owners
0homes flooded more than once
20122026
of all homes
are insured
No community discount. Two Harbors isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lake County.
Disasters that hit Two Harbors

5 federal disasters brought FEMA money here

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

Brought FEMA money into Two HarborsDeclared for Lake County only
2024

Severe Storms and Flooding

4 households applied for aid $61K aid approved
2012

Severe Storms and Flooding

$17K to the City of Two Harbors for repairs
2009

Severe Storms and Flooding

$12K to the City of Two Harbors for repairs
2001

Severe Winter Storms, Flooding, and Tornadoes

$3K to the City of Two Harbors for repairs
1999

Severe Storms, Winds, and Flooding

$49K to the City of Two Harbors for repairs
Lake County has had 10 natural disasters declared since 1953, most often floods and severe storms.
Around Two Harbors

Two Harbors and the towns around it

Silver Creek: High, mostly inland floodingBeaver Bay: High, mostly inland floodingStony River: High, mostly inland floodingTwo Harbors: Very low, mostly cold waves Two HarborsSilver Creek
Very lowLowModerateHighVery high
Silver Creekmostly inland floodingHigh
Two Harborsmostly cold wavesVery low
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. Two Harbors covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Two Harbors’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Two Harbors. 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 Two Harbors total about $3.1M 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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