Photo: Asher Heimermann · CC BY 3.0Less hazard damage per building is expected in Two Rivers than in 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Two Rivers gets an A− for hazard risk: lower expected damage per building than 75% of U.S. towns, #203 of 362 in Wisconsin. Most of that expected damage is river and rain flooding (78%), then hail (10%). Flood insurance has paid 2 claims here since 2007.
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 Two Rivers 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
Hail
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 Two Rivers’ grade
River and rain flooding is 78% of the building damage FEMA expects in Two Rivers, and Two Rivers’ rate of river and rain flooding damage is lower than 56% of U.S. census tracts. Next is hail at 10% (higher than 89% of U.S. census tracts).
A− #203 of 362 in Wisconsin; lower expected damage per building than 75% of U.S. towns (21,298).
Two Rivers’ residents live in 6 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, Two Rivers has more expected damage per building than 56% of Wisconsin towns.
In dollars, FEMA expects about $3.9M a year in losses across Two Rivers: $2.3M to buildings, the rest to people and crops.
Does Two Rivers flood? Rarely: 2 flood claims since 2007
Every paid claim on a federal flood insurance policy in Two Rivers, from FEMA’s records: 0.4 per 1,000 homes, fewer than 93% of the 13,809 U.S. towns with a flood insurance record.
Two Rivers isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Manitowoc County.3 federal disasters brought FEMA money to Two Rivers
Disasters that paid out in Two Rivers itself (aid to households or repair grants to the City of Two Rivers), newest first, with that year’s flood claims.
- 2026Severe Storms, Tornadoes, and Flooding7 households applied for aid$55K aid approved
- 2008Severe Storms, Tornadoes, and Flooding21 households applied for aid$25K aid approved
- 2000Snow$31K to the City of Two Rivers for repairs
Manitowoc 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 Two Rivers after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Two Rivers archive →Two Rivers and its neighbors
Two Rivers is 4th of the 4 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 |
|---|---|---|---|
| Manitowoc | Aless damage than 88% | river and rain flooding | — |
| Manitowoc | A−less damage than 81% | river and rain flooding | 4 |
| Two Rivers | A−less damage than 75% | river and rain flooding | 1 |
| Two Rivers | A−less damage than 75% | river and rain flooding | 2 |
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 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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
Is Two Rivers at risk for natural disasters?
On FEMA’s National Risk Index, Two Rivers has lower expected damage per building than 75% of U.S. towns: A− for hazard risk, #203 of 362 in Wisconsin. Most of the expected damage is river and rain flooding (78%) and hail (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Two Rivers flood?
Flood insurance has paid 2 claims in Two Rivers since 2007, $9K in all, or 0.4 per 1,000 homes, fewer than 93% of U.S. towns with a flood insurance record.
Is Two Rivers 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 Manitowoc County, 22% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Two Rivers?
FEMA’s Community Rating System list shows no discount for Two Rivers’ 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?
By FEMA money that reached Two Rivers, Severe Storms, Tornadoes, and Flooding (2026): 7 households applied for aid, $55K approved.
Is Two Rivers at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Two Rivers’ rate for it is lower than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Two Rivers.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Two Rivers’ 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.