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A−Hazard risk
Natural hazards in Eckles Township · FEMA

Less hazard damage per building is expected in Eckles Township than in 80% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Eckles Township gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (80%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 80%Tornadoes 8%Wildfire 8%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

less than 80%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Minnesota · lower than 80% of U.S. towns
Main hazard
River and rain flooding
80% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 18 declared for Beltrami County
By hazard

What Eckles Township faces

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

River and rain flooding

80%of expected building damage
Below average · lower than 60% of U.S. census tracts
Recorded about once every 2 years in the area

Tornadoes

8%of expected building damage
About average · higher than 59% of U.S. census tracts

Wildfire

8%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Smaller shares here
 Hail Winter storms top 5% Strong wind Lightning Ice storms Earthquakes Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 24% of Eckles Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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

What’s behind Eckles Township’s grade

River and rain flooding is 80% of the building damage FEMA expects in Eckles Township, and Eckles Township’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Wildfire adds 8%, at a rate in the top 7% of U.S. census tracts.

Where Eckles Township sits
Eckles Township
Least damageMiddleMost damage

A− lower expected damage per building than 80% of U.S. towns (21,298).

Eckles Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding80%Tornadoes8%Wildfire8%Everything else4%

In dollars, FEMA expects about $602K a year in losses across Eckles Township: $392K to buildings, the rest to people and crops.

A small-area figure. Eckles Township covers 3 census tracts, combined by where residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Eckles Township flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Eckles Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of all homes are insured
No community discount

Eckles Township 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

3 federal disasters brought FEMA money to Eckles Township

Disasters that paid out in Eckles Township itself (aid to households or repair grants to Eckles Township), newest first, with that year’s flood claims.

  1. 2011Severe Storms and Flooding$9K to Eckles Township for repairs
  2. 2009Severe Storms and Flooding$8K to Eckles Township for repairs
  3. 1999Severe Storms, Winds, and Flooding$31K to Eckles Township for repairs
Disasters declared, by decade
Paid out in Eckles TownshipBeltrami County only

Beltrami County has had 18 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Eckles Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Eckles Township archive →
Next door

Eckles Township and its neighbors

Eckles Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.

Wilton: not gradedBemidji: hazard risk B−Lammers Township: not gradedNorthern Township: hazard risk CLiberty Township: not gradedGrant Valley Township: hazard risk BWiltonBemidjiLammers TownshipNorthern TownshipLiberty TownshipGrant Valley TownshipEckles Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Eckles TownshipA−less damage than 80%river and rain flooding0
Grant Valley TownshipBless damage than 64%river and rain flooding—
BemidjiB−more damage than 52%river and rain flooding—
Northern TownshipCmore damage than 66%river and rain flooding—
Wilton—327 residents; we grade 1,000+
Lammers Township—691 residents; we grade 1,000+
Liberty Township—913 residents; we grade 1,000+

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Eckles Township faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Eckles Township

Is Eckles Township at risk for natural disasters?

On FEMA’s National Risk Index, Eckles Township has lower expected damage per building than 80% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (80%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Is Eckles Township in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Beltrami County, 0.0% of all homes carry federal flood insurance.

How much is flood insurance in Eckles Township?

FEMA’s Community Rating System list shows no discount for Eckles Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Eckles Township?

By FEMA money that reached Eckles Township, Severe Storms, Winds, and Flooding (1999): $31K to Eckles Township for repairs.

Is Eckles Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (80%), and Eckles Township’s rate for it is lower than 60% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Eckles Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eckles Township’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.