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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 low for a U.S. community. Flood insurance has paid 2 claims here since 2007. 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?

29
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Two Rivers to be higher than in 29% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding46%Cold waves20%Tornadoes12%Hail11%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

46% of expected damage
Below average · higher than 47% of U.S. places
Recorded about once a year in the area

Cold waves

20% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about 5 times a year in the area

Tornadoes

12% of expected damage
Above average · higher than 66% of U.S. places

Hail

11% 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.

2paid claims since 2007
$9Kpaid to owners
0homes flooded more than once
20072026
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

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 City of Two Rivers.

Brought FEMA money into Two RiversDeclared for Manitowoc County only
2026

Severe Storms, Tornadoes, and Flooding

7 households applied for aid $55K aid approved
2008

Severe Storms, Tornadoes, and Flooding

21 households applied for aid $25K aid approved
2000

Snow

$31K to the City 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

Two Rivers: Very low, mostly inland floodingManitowoc: Very low, mostly inland floodingManitowoc: Low, mostly inland floodingMishicot: Low, mostly inland floodingTwo Creeks: Low, mostly inland floodingKossuth: Low, mostly inland floodingNewton: Very low, mostly inland floodingManitowoc Rapids: Low, mostly inland floodingTwo Rivers: Low, mostly inland flooding Two RiversTwo RiversManitowocManitowoc
Very lowLowModerateHighVery high
Two Riversmostly inland floodingLow
Manitowocmostly 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 3 census tracts, combined by population.
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 City 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 $3.0M 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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