On FEMA’s figures, Ten Lake Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Ten Lake Township gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns. Most of that expected damage is river and rain flooding (94%). FEMA’s files show no paid flood insurance claims here.
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
What Ten Lake 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
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.
What’s behind Ten Lake Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Ten Lake Township, and Ten Lake Township’s rate of river and rain flooding damage is higher than 78% of U.S. census tracts.
C+ higher expected damage per building than 56% of U.S. towns (21,298).
All of Ten Lake Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $472K a year in losses across Ten Lake Township: $372K to buildings, the rest to people and crops.
Does Ten Lake Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Ten Lake Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Ten Lake 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.The storms Ten Lake Township remembers
None of the 18 disasters declared for Beltrami County shows FEMA aid or repair money reaching Ten Lake Township itself in FEMA’s records, so these are its biggest flood-claim years.
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.
Ten Lake Township and its neighbors
Ten Lake Township is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Pike Bay Township | A+among the lowest damage | river and rain flooding | — |
| Turtle River Township | B−more damage than 50% | river and rain flooding | — |
| Ten Lake Township | C+more damage than 56% | river and rain flooding | 0 |
| Frohn Township | C+more damage than 60% | river and rain flooding | — |
| Sugar Bush Township | — | 196 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.
Get ready for what Ten Lake 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.
- 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.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Ten Lake Township
Is Ten Lake Township at risk for natural disasters?
On FEMA’s National Risk Index, Ten Lake Township has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (94%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Ten Lake 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 Ten Lake Township?
FEMA’s Community Rating System list shows no discount for Ten Lake Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Ten Lake Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Ten Lake Township’s rate for it is higher than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ten Lake Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ten Lake 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.