Doncaster Round Barn · Photo: Montanabw · CC BY-SA 4.0Storms, floods and disasters in Twin Bridges
Twin Bridges isn’t graded for hazard risk: Twin Bridges has 201 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1979.
What Twin Bridges 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
Earthquakes
Wildfire
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 Twin Bridges flood? Rarely: 1 flood claim since 1979
Every paid claim on a federal flood insurance policy in Twin Bridges, from FEMA’s records.
Twin Bridges isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Madison County.The storms Twin Bridges remembers
None of the 3 disasters declared for Madison County shows FEMA aid or repair money reaching Twin Bridges itself in FEMA’s records, so these are its biggest flood-claim years.
- 19791 flood claims paidNo declaration for the county that year
Madison County has had 3 natural disasters declared by the President since 1953, most often 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 Madison County, 2000–2000.
Old photos of Twin Bridges after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Twin Bridges archive →Get ready for what Twin Bridges 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Bridges
Does Twin Bridges flood?
Flood insurance has paid 1 claim in Twin Bridges since 1979, $7K in all.
Is Twin Bridges 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 Madison County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Twin Bridges?
FEMA’s Community Rating System list shows no discount for Twin Bridges’ flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Twin Bridges.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Twin Bridges’ 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.