On FEMA’s figures, Turtle 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, Turtle Lake Township gets a B− for hazard risk: higher expected damage per building than 51% of U.S. towns. Most of that expected damage is river and rain flooding (90%). 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 Turtle 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
Tornadoes
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 Turtle Lake Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Turtle Lake Township, and Turtle Lake Township’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Next is tornadoes at 5% (higher than 58% of U.S. census tracts).
B− higher expected damage per building than 51% of U.S. towns (21,298).
Turtle Lake Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $661K a year in losses across Turtle Lake Township: $522K to buildings, the rest to people and crops.
Does Turtle Lake Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Turtle Lake Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Turtle 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.5 federal disasters brought FEMA money to Turtle Lake Township
Disasters that paid out in Turtle Lake Township itself (aid to households or repair grants to Turtle Lake Township), newest first, with that year’s flood claims.
- 2022Severe Storms, Straight-line Winds, and Flooding$44K to Turtle Lake Township for repairs
- 2011Severe Storms and Flooding$35K to Turtle Lake Township for repairs
- 2009Severe Storms and Flooding$14K to Turtle Lake Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$16K to Turtle Lake Township for repairs
- 1999Severe Storms, Winds, and Flooding$36K to Turtle Lake Township for repairs
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.
Old photos of Turtle Lake Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Turtle Lake Township archive →Turtle Lake Township and its neighbors
Turtle Lake Township has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Turtle Lake Township | B−more damage than 51% | river and rain flooding | 0 |
| Northern Township | Cmore damage than 66% | river and rain flooding | — |
| Port Hope Township | — | 516 residents; we grade 1,000+ | |
| Durand Township | — | 237 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.
Get ready for what Turtle 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.
- 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.
- 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 Turtle Lake Township
Is Turtle Lake Township at risk for natural disasters?
On FEMA’s National Risk Index, Turtle Lake Township has higher expected damage per building than 51% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (90%) and tornadoes (5%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Turtle 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 Turtle Lake Township?
FEMA’s Community Rating System list shows no discount for Turtle Lake 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 Turtle Lake Township?
By FEMA money that reached Turtle Lake Township, Severe Storms, Straight-line Winds, and Flooding (2022): $44K to Turtle Lake Township for repairs.
Is Turtle Lake Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Turtle Lake Township’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Turtle Lake Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Turtle 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.