Natural hazards · Beltrami

Beltrami, MN natural hazards

Most of the natural-hazard damage FEMA expects in Beltrami comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 3 claims here since 1978. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Beltrami?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Beltrami to be higher than in 84% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding54%Cold waves25%Drought8%Hail5%Everything else9%

By hazard

What Beltrami faces

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

Inland flooding

54% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 2 times a year in the area

Cold waves

25% of expected damage

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

Recorded about 21 times a year in the area

Drought

8% of expected damage

Recorded about 6 times a year in the area

Hail

5% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Beltrami flood?

Every paid claim on a federal flood insurance policy in Beltrami, from FEMA’s records.

3paid claims since 1978

$3Kpaid to owners

0homes flooded more than once

19782026

Biggest named events

Not a named storm: 1 claim, $571

of all homes
are insured

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

Insurance rates: Polk County.

Disasters that hit Beltrami

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Beltrami itself: aid to households, or repair grants to the City of Beltrami.

Brought FEMA money into BeltramiDeclared for Polk County only

2009

Severe Storms and Flooding

3 households applied for aid $7K aid approved

2001

Severe Winter Storms, Flooding, and Tornadoes

$23K to the City of Beltrami for repairs

Polk County has had 27 natural disasters declared since 1953, most often floods and severe storms.

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. Beltrami is smaller than a census tract, so it shares the figures of the tract around its center.

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

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.