Natural Disasters in Two Harbors, MN
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
33.9
Very Low
Expected Annual Loss
38.1
Score (0-100)
Social Vulnerability
43.5
Score (0-100)
Community Resilience
98.5
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Strong Wind | 89.4 |
| Winter Weather | 83.2 |
| Cold Wave | 82.6 |
| Lightning | 70.5 |
| Wildfire | 62.3 |
| Landslide | 34.9 |
| Ice Storm | 23.7 |
| Heat Wave | 22.0 |
| Hail | 20.6 |
| Drought | 18.5 |
| Coastal Flood | 13.6 |
| Tornado | 10.7 |
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster Declarations
Source: FEMA OpenFEMATotal Declarations
12
Most Recent
Flood
Jun 2024
Most Common Type
Flood
5 declarations
| Date | Type | Declaration |
|---|---|---|
| Jun 28, 2024 | Flood | SEVERE STORMS AND FLOODING |
| Jul 13, 2022 | Flood | SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING |
| Apr 7, 2020 | Biological | COVID-19 PANDEMIC |
| Mar 13, 2020 | Biological | COVID-19 |
| Sep 5, 2018 | Flood | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING |
| Jul 6, 2012 | Severe Storm | SEVERE STORMS AND FLOODING |
| Apr 9, 2009 | Severe Storm | SEVERE STORMS AND FLOODING |
| Sep 13, 2005 | Hurricane | HURRICANE KATRINA EVACUATION |
| May 16, 2001 | Flood | SEVERE WINTER STORMS, FLOODING, AND TORNADOES |
| Jul 28, 1999 | Severe Storm | SEVERE STORMS, WINDS, AND FLOODING |
| Jun 17, 1976 | Drought | DROUGHT |
| Aug 25, 1972 | Flood | SEVERE STORMS & FLOODING |
Individual Assistance
Source: FEMA Housing AssistanceTotal IA Registrations
6
Total IA Distributed
$26,360
| Disaster | Registrations | Total IA $ | Avg Damage |
|---|---|---|---|
| DR-4797 | 1 | N/A | — |
| DR-4531 | 5 | $26,360 | — |
Individual and household assistance for homeowners and renters affected by federally declared disasters.
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
9
Total Claims Paid
$938,269
Avg Claim Payout
$104,252
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$2,972,723
Disasters with PA
8
Total Projects
110
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-4069 | Severe Storm(s) | 29 | $856,276 |
| DR-1830 | Severe Storm(s) | 38 | $790,630 |
| DR-4390 | Flood | 6 | $426,187 |
| DR-4797 | Flood | 11 | $365,073 |
| DR-1283 | Severe Storm(s) | 16 | $270,886 |
| DR-4659 | Severe Storm(s) | 4 | $209,925 |
| DR-1370 | Flood | 5 | $40,882 |
| DR-4531 | Biological | 1 | $12,865 |
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
4
Federal Funding
$641,514
Properties Protected
37
Avg Benefit-Cost Ratio
1.10
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 91.1: Local Multihazard Mitigation Plan | 1 | $36,000 |
| 205.1: Retrofitting Private Structures - Wildfire | 1 | $234,344 |
| 403.1: Stormwater Management - Culverts | 1 | $89,550 |
| 300.2: Vegetation Management - Wildfire; 501.1: Other Major Structural Projects | 1 | $281,620 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Two Harbors has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are strong wind, winter weather, cold wave. The area has had 12 federal disaster declarations. The most common disaster type is flood (5 declarations). 9 flood insurance claims have been filed in the area. FEMA has obligated $2,972,723 in public assistance recovery funding. $26,360 has been distributed in individual assistance to disaster-affected residents. 4 hazard mitigation projects have been funded to reduce future risk.