The Israeli army confirmed it had fired at a house camouflaging a weapons-smuggling tunnel in the southern Gaza town of Rafah, on the Egyptian border, and that its occupants had been warned beforehand to leave.
Dr Ali Mousa, the director of Rafah's hospital, said the 14 year-old girl died when a block from the house that Israel bombed ricocheted into a neighbouring building, causing it to collapse.
He said most of the 10 other people wounded were women and children, who suffered broken bones, bruises and shrapnel wounds.
The Israeli strike came hours after a rocket fired from Gaza wounded an off-duty Israeli soldier in the southern Israeli town of
Sderot.
Israel has stepped up military operations in Gaza, a coastal strip it had withdrawn from last year, after Palestinian militants captured a soldier in a June 25 cross-border raid.