Natural hazards · Two Rivers

Two Rivers, WI natural hazards

Most of the natural-hazard damage FEMA expects in Two Rivers comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 1 claim here since 2021. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Two Rivers?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Two Rivers to be higher than in 19% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves19%Tornadoes13%Hail12%Heat waves6%Everything else5%

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

45% of expected damage

Below average · higher than 33% of U.S. places

Recorded about once a year in the area

Cold waves

19% of expected damage

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

Recorded about 5 times a year in the area

Tornadoes

13% of expected damage

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

Hail

12% of expected damage

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

Recorded about 2 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingHurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong 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 Rivers flood?

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

1paid claims since 2021

$27Kpaid to owners

0homes flooded more than once

20212026

of homes in flood zones
are insured

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: Manitowoc County.

Disasters that hit Two Rivers

1 federal disaster brought FEMA money here

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

Brought FEMA money into Two RiversDeclared for Manitowoc County only

2000

Snow

$3K to the Town of Two Rivers for repairs

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

Around Two Rivers

Two Rivers and the towns around it

Very lowLowModerateHighVery high

Two Riversmostly inland floodingLow

Mishicotmostly inland floodingLow

Two Creeksmostly inland floodingLow

Manitowocmostly inland floodingLow

Kossuthmostly inland floodingLow

Two Riversmostly inland floodingVery low

Manitowocmostly 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 Rivers covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Two Rivers’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Two Rivers. 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 Rivers total about $1.1M 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.