Natural hazards · Turtle Lake

Turtle Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Turtle Lake comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Turtle Lake?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Turtle Lake to be higher than in 44% of U.S. communities, mostly from inland flooding.

Inland flooding71%Cold waves14%Everything else15%

By hazard

What Turtle Lake faces

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

Inland flooding

71% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 2 years in the area

Cold waves

14% 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 Turtle Lake flood?

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

of all homes
are insured

No community discount. Turtle 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 Turtle Lake

5 federal disasters brought FEMA money here

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

Brought FEMA money into Turtle LakeDeclared for Beltrami County only

2022

Severe Storms, Straight-Line Winds, and Flooding

$44K to the Township of Turtle Lake for repairs

2011

Severe Storms and Flooding

$35K to the Township of Turtle Lake for repairs

2009

Severe Storms and Flooding

$14K to the Township of Turtle Lake for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$16K to the Township of Turtle Lake for repairs

1999

Severe Storms, Winds, and Flooding

$36K to the Township of Turtle Lake for repairs

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

Around Turtle Lake

Turtle Lake and the towns around it

Very lowLowModerateHighVery high

Northernmostly inland floodingHigh

Turtle Lakemostly inland floodingModerate

Port Hopemostly inland floodingModerate

Libertymostly inland floodingModerate

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