Natural hazards · Belle River

Belle River, MN natural hazards

Most of the natural-hazard damage FEMA expects in Belle River comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Belle River?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Belle River to be higher than in 30% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding50%Cold waves24%Tornadoes12%Strong wind7%Everything else8%

By hazard

What Belle River faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

50% of expected damage

Below average · higher than 49% of U.S. places

Recorded about once every 3 years in the area

Cold waves

24% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 14 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 19 years in the area

Strong wind

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 3 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Belle River flood?

FEMA's records show no paid flood insurance claims in Belle River.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Belle River isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Douglas County.

Disasters that hit Belle River

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Belle River itself: aid to households, or repair grants to the Township of Belle River.

Brought FEMA money into Belle RiverDeclared for Douglas County only

2009

Severe Storms and Flooding

$8K to the Township of Belle River for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$5K to the Township of Belle River for repairs

Douglas County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Belle River

Belle River and the towns around it

Very lowLowModerateHighVery high

Lesliemostly inland floodingHigh

Belle Rivermostly inland floodingLow

Osakismostly inland floodingLow

Carlosmostly inland floodingLow

Spruce Hillmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Belle River covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Belle River’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Belle River. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Belle River total about $2.2M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.