Natural hazards · Hamre

Hamre, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hamre comes from inland flooding, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Hamre?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hamre to be higher than in 63% of U.S. communities, mostly from inland flooding.

Inland flooding68%Cold waves10%Wildfire8%Drought8%Everything else6%

By hazard

What Hamre faces

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

Inland flooding

68% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 2 years in the area

Cold waves

10% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 17 times a year in the area

Wildfire

8% of expected damage

Well above average · higher than 96% of U.S. places

Drought

8% of expected damage

Recorded about 26 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong 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 Hamre flood?

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

of all homes
are insured

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

Insurance rates: Beltrami County.

Disasters that hit Hamre

Federal disasters declared here

None of the disasters declared for Beltrami County shows FEMA aid or repair money reaching Hamre itself in FEMA’s records.

Brought FEMA money into HamreDeclared for Beltrami County only

Beltrami County has had 19 natural disasters declared since 1953, most often floods and severe storms.

Around Hamre

Hamre and the towns around it

Very lowLowModerateHighVery high

Hamremostly inland floodingHigh

Steenersonmostly inland floodingHigh

Leemostly inland floodingHigh

Spruce Grovemostly inland floodingHigh

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. Hamre 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 Hamre’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hamre. 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.