FEMA expects about as much hazard damage per building in Twin Lakes Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Twin Lakes Township gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (93%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Twin Lakes Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
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.
What’s behind Twin Lakes Township’s grade
River and rain flooding is 93% of the building damage FEMA expects in Twin Lakes Township, and Twin Lakes Township’s rate of river and rain flooding damage is higher than 76% of U.S. census tracts.
B− higher expected damage per building than 54% of U.S. towns (21,298).
Twin Lakes Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.8M a year in losses across Twin Lakes Township: $643K to buildings, the rest to people and crops.
Does Twin Lakes Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Twin Lakes Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Twin Lakes Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Carlton County.1 federal disaster brought FEMA money to Twin Lakes Township
Disasters that paid out in Twin Lakes Township itself (aid to households or repair grants to Twin Lakes Township), newest first, with that year’s flood claims.
- 2012Severe Storms and Flooding$39K to Twin Lakes Township for repairs
Carlton County has had 6 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Twin Lakes Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Twin Lakes Township archive →Twin Lakes Township and its neighbors
Twin Lakes Township is 4th of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Superior | A−less damage than 81% | river and rain flooding | 4 |
| Duluth | B+less damage than 73% | river and rain flooding | 58 |
| Blackhoof Township | Bless damage than 62% | river and rain flooding | — |
| Twin Lakes Township | B−more damage than 54% | river and rain flooding | 0 |
| Cloquet | C+more damage than 64% | river and rain flooding | 1 |
| Thomson Township | C−more damage than 76% | river and rain flooding | 6 |
| Carlton | — | 875 residents; we grade 1,000+ | |
| Silver Brook Township | — | 544 residents; we grade 1,000+ | |
| Atkinson Township | — | 383 residents; we grade 1,000+ | |
| Wrenshall | — | 404 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 Twin Lakes Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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 Twin Lakes Township
Is Twin Lakes Township at risk for natural disasters?
On FEMA’s National Risk Index, Twin Lakes Township has higher expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Twin Lakes Township 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 Carlton County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Twin Lakes Township?
FEMA’s Community Rating System list shows no discount for Twin Lakes Township’s 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 Twin Lakes Township?
By FEMA money that reached Twin Lakes Township, Severe Storms and Flooding (2012): $39K to Twin Lakes Township for repairs.
Is Twin Lakes Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Twin Lakes Township’s rate for it is higher than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Twin Lakes Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Twin Lakes Township’s 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.