In a pot, bring wild rice and water to a boil. Reduce heat to low, cover, and simmer 45 minutes.

In a separate pot, melt butter over medium heat, and sauté onion until tender. Blend in flour until smooth, and gradually stir in chicken broth. Stirring constantly, bringing mixture to a boil. Reduce heat to low, and mix in cooked rice, ham, carrots, and almonds. Continue to cook and stir about 5 minutes, until heated through. Thoroughly blend half-and-half into soup just before serving.