Natural hazards · Two Rivers

Two Rivers, MN natural hazards

Most of the natural-hazard damage FEMA expects in Two Rivers comes from inland flooding, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Two Rivers?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Two Rivers to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding69%Tornadoes7%Cold waves6%Strong wind5%Everything else13%

By hazard

What Two Rivers faces

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

Inland flooding

69% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once a year in the area

Tornadoes

7% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 11 years in the area

Cold waves

6% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 13 times a year in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 3 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Rivers flood?

FEMA's records show no paid flood insurance claims in Two Rivers.

of all homes
are insured

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

Insurance rates: Morrison County.

Disasters that hit Two Rivers

3 federal disasters brought FEMA money here

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

Brought FEMA money into Two RiversDeclared for Morrison County only

2023

Severe Storms and Flooding

$62K to the Township of Two Rivers for repairs

2013

Severe Storms, Straight-Line Winds, and Flooding

$4K to the Township of Two Rivers for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$6K to the Township of Two Rivers for repairs

Morrison County has had 12 natural disasters declared since 1953, most often floods and severe storms.

Around Two Rivers

Two Rivers and the towns around it

Very lowLowModerateHighVery high

Bellevuemostly inland floodingVery high

Langolamostly inland floodingHigh

Two Riversmostly inland floodingHigh

Swan Rivermostly inland floodingHigh

Elmdalemostly inland floodingHigh

Brockwaymostly inland floodingHigh

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 Rivers 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 Two Rivers’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Two Rivers. 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.