Natural hazards · Ten Lake

Ten Lake, MN natural hazards

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

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

Expected damage

How exposed is Ten Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ten Lake to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding74%Cold waves16%Everything else11%

By hazard

What Ten Lake faces

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

Inland flooding

74% of expected damage

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

Recorded about once every 2 years in the area

Cold waves

16% of expected damage

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

Recorded about 16 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Ten Lake flood?

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

of all homes
are insured

No community discount. Ten Lake 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 Ten Lake

Federal disasters declared here

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

Brought FEMA money into Ten LakeDeclared for Beltrami County only

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

Around Ten Lake

Ten Lake and the towns around it

Very lowLowModerateHighVery high

Ten Lakemostly inland floodingModerate

Sugar Bushmostly inland floodingModerate

Turtle Rivermostly inland floodingModerate

Frohnmostly inland floodingLow

Pike Baymostly inland floodingVery low

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. Ten Lake covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Ten Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Ten Lake. 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 Ten Lake total about $1.0M 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.