Natural hazards · Two Creeks

Two Creeks, WI natural hazards

Most of the natural-hazard damage FEMA expects in Two Creeks comes from inland flooding, 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 Two Creeks?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Two Creeks to be higher than in 25% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves18%Hail12%Tornadoes11%Everything else9%

By hazard

What Two Creeks faces

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

Inland flooding

51% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Cold waves

18% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 5 times a year in the area

Hail

12% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

11% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 37 years in the area

Lower here

Coastal floodingHurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic 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 Creeks flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Manitowoc County.

Disasters that hit Two Creeks

Federal disasters declared here

None of the disasters declared for Manitowoc County shows FEMA aid or repair money reaching Two Creeks itself in FEMA’s records.

Brought FEMA money into Two CreeksDeclared for Manitowoc County only

Manitowoc County has had 7 natural disasters declared since 1953, most often floods and severe storms.

Around Two Creeks

Two Creeks and the towns around it

Very lowLowModerateHighVery high

Two Creeksmostly inland floodingLow

Mishicotmostly inland floodingLow

Two Riversmostly inland floodingVery 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 Creeks 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 Creeks’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Two Creeks. 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.