FEMA puts Twin Lakes’s expected hazard damage per building below that of 77% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Twin Lakes gets an A− for hazard risk: lower expected damage per building than 77% of U.S. towns, #196 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (76%), then tornadoes (14%). Flood insurance has paid 3 claims here since 1993.
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 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.
What’s behind Twin Lakes’ grade
River and rain flooding is 76% of the building damage FEMA expects in Twin Lakes, and Twin Lakes’ rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Lightning adds 3%, at a rate in the top 1% of U.S. census tracts.
A− #196 of 362 in Wisconsin; lower expected damage per building than 77% of U.S. towns (21,298).
Twin Lakes’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Wisconsin town has lower expected damage than 79% of U.S. towns; within the state, Twin Lakes has more expected damage per building than 54% of Wisconsin towns.
In dollars, FEMA expects about $2.9M a year in losses across Twin Lakes: $1.6M to buildings, the rest to people and crops.
Does Twin Lakes flood? Rarely: 3 flood claims since 1993
Every paid claim on a federal flood insurance policy in Twin Lakes, from FEMA’s records: 0.8 per 1,000 homes, fewer than 83% of the 13,809 U.S. towns with a flood insurance record.
Twin Lakes isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kenosha County.7 federal disasters brought FEMA money to Twin Lakes
Disasters that paid out in Twin Lakes itself (aid to households or repair grants to the Village of Twin Lakes), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$11K to the Village of Twin Lakes for repairs
- 2008Severe Storms, Tornadoes, and Flooding1 households applied for aid$27K to the Village of Twin Lakes for repairs
- 2008Record Snow and Near Record Snow$9K to the Village of Twin Lakes for repairs
- 2007Severe Storms and Flooding5 households applied for aid$10K aid approved
- 2004Severe Storms and Flooding3 households applied for aid$13K to the Village of Twin Lakes for repairs
- 2000Snow$5K to the Village of Twin Lakes for repairs
Show all 7
- 2000Severe Storms, Tornadoes, and Flooding$4K to the Village of Twin Lakes for repairs
Kenosha County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Twin Lakes after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Twin Lakes archive →Twin Lakes and its neighbors
Twin Lakes has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Twin Lakes | A−less damage than 77% | river and rain flooding | 3 |
| Richmond Township | A−less damage than 76% | river and rain flooding | — |
| Randall | A−less damage than 76% | river and rain flooding | 4 |
| Powers Lake | — | a Census area inside a town; graded with the town | |
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 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 Twin Lakes
Is Twin Lakes at risk for natural disasters?
On FEMA’s National Risk Index, Twin Lakes has lower expected damage per building than 77% of U.S. towns: A− for hazard risk, #196 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (76%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Twin Lakes flood?
Flood insurance has paid 3 claims in Twin Lakes since 1993, $14K in all, or 0.8 per 1,000 homes, fewer than 83% of U.S. towns with a flood insurance record.
Is Twin Lakes 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 Kenosha County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Twin Lakes?
FEMA’s Community Rating System list shows no discount for Twin Lakes’ 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?
By FEMA money that reached Twin Lakes, Severe Storms, Tornadoes, and Flooding (2008): 1 households applied for aid, $0 approved, and $27K to the Village of Twin Lakes for repairs.
Is Twin Lakes at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Twin Lakes’ rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Twin Lakes.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Twin Lakes’ 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.