F.E. Company Dredge No. 2 · Photo: MSRamirez25 · CC BY-SA 4.0Storms, floods and disasters in Two Rivers
Two Rivers isn’t graded for hazard risk: Two Rivers has 451 residents; we grade towns of 1,000 or more.
What Two Rivers faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
River and rain flooding
Landslides
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Two Rivers flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Two Rivers. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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: Fairbanks North Star Borough.1 federal disaster brought FEMA money to Two Rivers
Disasters that paid out in Two Rivers itself (aid to households or repair grants to Two Rivers), newest first, with that year’s flood claims.
- 2002Earthquake1 households applied for aid$732 aid approved
Fairbanks North Star Borough has had 8 natural disasters declared by the President since 1953, most often severe storms, then winter storms.
Also 6 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Fairbanks North Star Borough, 2004–2025.
Old photos of Two Rivers after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Two Rivers archive →Two Rivers and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Steele Creek | Dmore damage than 86% | wildfire | 1 |
| Pleasant Valley | — | 790 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Two Rivers faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Watch for new cracks, tilting trees or suddenly muddy streams after heavy rain.
- Stay off steep slopes in a downpour.
- Leave if you hear rumbling upslope.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Two Rivers
Is Two Rivers in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Fairbanks North Star Borough, 26% of homes in mapped flood zones carry federal flood insurance, and 1.9% of all homes do.
How much is flood insurance in Two Rivers?
FEMA’s Community Rating System list shows no discount for Two Rivers’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Two Rivers?
By FEMA money that reached Two Rivers, Earthquake (2002): 1 households applied for aid, $732 approved.
Storm stories
Memories, warnings and help from neighbors in Two Rivers.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Two Rivers’ residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.