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Direct answer
Is Ham Lake, MN safe from tornadoes?
Ham Lake is lower risk for tornadoes in the long-term model (17/100), but risk is not zero during active weather periods.
City score
17/100
Level: low
State average
21/100
Same hazard across MN.
Comparison
Ham Lake is close to the state average for this hazard (17 vs 21).
Why this answer
Tornado risk derived from NOAA SPC historical reports.
This answer combines long-term hazard scoring with current live signals. Use the live page for active watch/warning context over the next 6-24 hours.
Insurance pricing and deductible structure can still vary by neighborhood and carrier, so validate policy details against this risk profile.
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