Photo: Skvader · CC BY-SA 4.0Storms, floods and disasters in Two Rivers Township
Two Rivers Township isn’t graded for hazard risk: Two Rivers Township has 899 residents; we grade towns of 1,000 or more.
What Two Rivers 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
Tornadoes
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 Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Two Rivers Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Two Rivers 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: Morrison County.3 federal disasters brought FEMA money to Two Rivers Township
Disasters that paid out in Two Rivers Township itself (aid to households or repair grants to Two Rivers Township), newest first, with that year’s flood claims.
- 2023Severe Storms and Flooding$62K to Two Rivers Township for repairs
- 2013Severe Storms, Straight-line Winds, and Flooding$4K to Two Rivers Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$6K to Two Rivers Township for repairs
Morrison County has had 10 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Morrison County, 2000–2000.
Old photos of Two Rivers Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Two Rivers Township archive →Two Rivers Township 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 |
|---|---|---|---|
| Brockway Township | Cmore damage than 70% | river and rain flooding | 1 |
| Elmdale Township | Cmore damage than 71% | river and rain flooding | — |
| Langola Township | Cmore damage than 74% | river and rain flooding | 3 |
| Bellevue Township | Dmore damage than 90% | river and rain flooding | — |
| Swan River Township | — | 573 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 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.
- 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.
- 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 Township
Is Two Rivers 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 Morrison County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Two Rivers Township?
FEMA’s Community Rating System list shows no discount for Two Rivers 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 Two Rivers Township?
By FEMA money that reached Two Rivers Township, Severe Storms and Flooding (2023): $62K to Two Rivers Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Two Rivers Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Two Rivers 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.