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–Not graded
Natural hazards in Twin Valley · FEMA

Storms, floods and disasters in Twin Valley

Twin Valley isn’t graded for hazard risk: Twin Valley has 719 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
5
of 27 declared for Norman County
By hazard

What Twin Valley 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

70%of expected building damage
About average · higher than 50% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

12%of expected building damage
Well above average · higher than 82% of U.S. census tracts
Recorded about once every 4 years in the area
Smaller shares here
 Strong wind Wildfire Winter storms top 0% Hail Ice storms Lightning Earthquakes Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 29% of Twin Valley’s expected losses. Cold waves do little damage to buildings (0.1%), so they aren’t part of the grade.

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.

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 Twin Valley flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Twin Valley. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Twin Valley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Norman County.
What’s been done with FEMA grants
4flood-prone properties bought out and cleared
Disasters

5 federal disasters brought FEMA money to Twin Valley

Disasters that paid out in Twin Valley itself (aid to households or repair grants to the City of Twin Valley), newest first, with that year’s flood claims.

  1. 2019Severe Winter Storm, Straight-line Winds, and Flooding$7K to the City of Twin Valley for repairs
  2. 2009Severe Storms and Flooding7 households applied for aid$9K aid approved$6K to the City of Twin Valley for repairs
  3. 2002Severe Storms, Flooding and Tornadoes$147K to the City of Twin Valley for repairs
  4. 2001Severe Winter Storms, Flooding, and Tornadoes$34K to the City of Twin Valley for repairs
  5. 2000Severe Storms and Flooding$3K to the City of Twin Valley for repairs
Disasters declared, by decade
Paid out in Twin ValleyNorman County only

Norman County has had 27 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.

Were you here?

Old photos of Twin Valley after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Twin Valley archive →
Be ready

Get ready for what Twin Valley faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Twin Valley

Is Twin Valley 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 Norman County, 14% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.

How much is flood insurance in Twin Valley?

FEMA’s Community Rating System list shows no discount for Twin Valley’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 Valley?

By FEMA money that reached Twin Valley, Severe Storms, Flooding and Tornadoes (2002): $147K to the City of Twin Valley for repairs.

Storm stories

Memories, warnings and help from neighbors in Twin Valley.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Twin Valley’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.