Blog · October 14, 2026 · Minnesota
Beltrami County Flood Zone Map in Minnesota
How to check whether a property in Beltrami County sits in a FEMA flood zone, and what the answer means for a buyer near Bemidji.
Main page: Beltrami County, MN GIS & Parcel Viewer (official map link, Beltrami County facts and neighboring maps).
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Land along Red Lake and the flats outside Blackduck are where a Beltrami County flood zone map lookup matters most. Here's how to read FEMA's map for a Beltrami County, MN property and match it to the parcel record.
Below are the FEMA links, a plain reading of the zone labels, notes on where water shapes land around Blackduck, and short answers to common questions.
How to check the Beltrami County flood zone map
Start at the FEMA Flood Map Service Center and enter the property address in Bemidji or anywhere else in the county. Search returns the effective FIRM panel for the spot in Beltrami County, plus any pending changes FEMA has posted. On acreage outside Bemidji, the National Flood Hazard Layer viewer is easier to use, so you can see whether the shading reaches a house near Solway. Switch to the Beltrami County ArcGIS parcel map and track down the same tract close to Solway. Laying the county parcel outline beside the FEMA shading lists whether a homesite near Solway sits above or inside the zone.
Finding the tract on the Beltrami County map
Beltrami County publishes its parcels on the Beltrami County ArcGIS parcel map, which runs on an Esri ArcGIS web map, free to use for a lot in Turtle River or a tract close to Funkley. Use the search box for an address in Turtle River or a parcel number, or simply zoom in and click a tract close to Funkley. Bookmark our Beltrami County page too; it tracks the official Minnesota link if it moves and lists the maps around Turtle River.
Deeds and plats behind the Beltrami County map
The parcel layer for Beltrami County points back to recorded deeds and plats, kept by the county's recording office (its title varies by state). A deed book and page or instrument number on the county record is the quickest route to pull the document for a lot in Bemidji.
High, moderate and minimal risk in Beltrami County
Any Beltrami County parcel shaded as Zone A, AE, AH or AO sits in what FEMA calls a Special Flood Hazard Area, defined by a 1-percent annual chance of being flooded. A surveyor working near Bemidji uses the base flood elevation printed for AE zones; unnumbered A zones don't have one. If a Beltrami County parcel lists shaded Zone X, it is moderate risk, between the 1-percent and 0.2-percent annual chance lines. Unshaded Zone X near Solway is minimal risk.
Waterfront parcels near Solway
The Beltrami County landscape includes Red Lake, and that's where flood questions cluster. Don't assume a tract close to Solway is clear because its road frontage sits high. A low spot on a Beltrami County tract outside any mapped zone, which is why it is worth walking the ground after a heavy rain.
Insurance, permits and map changes
Lenders watch the zone closely on Beltrami County properties. Where a building in Bemidji sits in a Special Flood Hazard Area and carries a federally backed mortgage, a flood policy becomes a loan condition under the Flood Disaster Protection Act, wherever the community joins the NFIP. In Zone X near Bemidji, coverage is optional; pricing a policy for land near Solway is still worth a call. Where a structure near Bemidji looks higher than the shading suggests, the owner can ask FEMA for a Letter of Map Amendment (LOMA); a surveyor near Solway can supply the elevation data. Building or filling inside a mapped zone near Bemidji has to meet local floodplain rules; the county floodplain administrator can say what applies.
Beltrami County, MN: common questions
Where can I see flood zones for land near Funkley?
Search the Tenstrike address on FEMA's Flood Map Service Center; the effective panel lists the zone, and the county parcel map confirms the tract.
Do I need flood insurance in Zone X in Beltrami County?
Not under federal rules; Zone X in Beltrami County is outside the Special Flood Hazard Area, although a lender can still require coverage.
How do I challenge a flood zone for a lot in Tenstrike?
An owner near Funkley can request a Letter of Map Amendment from FEMA with elevation data, typically from a professional surveyor.
Do I need a permit to build in the floodplain near Tenstrike?
Often, but local floodplain rules apply; ask the county or town building office in Tenstrike before you buy.
What does 100-year flood mean for Beltrami County land?
No, ground around Tenstrike mapped that way has a 1-percent chance of flooding every year, and two floods in one decade near Tenstrike are possible.
Is there a floodplain layer in the Beltrami County ArcGIS parcel map?
Look for a flood or floodplain layer in the Beltrami County viewer, then verify the zone with FEMA.
Open the official Beltrami County, MN parcel map Beltrami County in the Platbookmapper directory
Not a survey. County GIS and tax parcel maps are assessment and planning layers. They are not a substitute for a recorded plat, deed, or licensed survey, especially for fences, setbacks, or boundary disputes.