Was about to comment this but I think the quiz is right. Part of it is, about a quarter of the residential population judging from Google Maps - and I was going to be nitpicky and find a state capital that also had some sort of development on a river or lake island or something but all I can find is maybe St. Paul (although that's a bit of a stretch). Maybe change the clue to include "partially" somewhere, though.
Shouldn't Oklahoma City be counted as a capital city with a Native American name? Yes, it has "city" on the end, but given that New Mexico is considered a Native American name in this quiz it seems like Oklahoma City should be counted here.
I was just about to suggest that Frankfort, Kentucky, was named after Frankfurt, Germany, but then I checked Wikipedia and indeed, it was originally called "Frank's Ford" after pioneer Stephen Frank who died nearby.
However, isn't Honolulu a Hawaiian and thus Native American name?
OKC should be an acceptable Native American city name since Oklahoma is a Choctaw word meaning land of the red people. For the purposes of the quiz are we not considering Hawaiians as Native Americans because Honolulu means safe harbor in Hawaiian.
I was surprised by Carson City, thinking that you were counting Washoe Lake, which is separated from the city by a line of hills. Then I remembered that Carson City merged with/took over all of the old Ormsby County, and now reaches all the way up the mountains to Lake Tahoe.
I was completely thrown by the phrasing "on" a lake--I thought it meant on an island in the middle of a lake, not next to a lake. I grew up in Salt Lake City and didn't for a moment consider it. That's what rushing will do to you. (Plus because SLC doesn't get close to the lake at all, but that's a different conversation.)
How do you figure St. Paul? The closest thing I could find was Harrisburg, which has a minor-league baseball stadium on a river island.
However, isn't Honolulu a Hawaiian and thus Native American name?