Natural hazards · Luverne

Luverne, AL natural hazards

Most of the natural-hazard damage FEMA expects in Luverne comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1998. 6 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Luverne?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luverne to be higher than in 70% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding38%Hurricanes33%Tornadoes17%Everything else13%

By hazard

What Luverne faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

38% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

33% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 8 years in the area

Tornadoes

17% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 12 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Luverne flood?

Every paid claim on a federal flood insurance policy in Luverne, from FEMA’s records.

1paid claims since 1998

$63Kpaid to owners

0homes flooded more than once

19982026

Biggest named events

Hurricane Georges: 1 claim, $63K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Luverne isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Crenshaw County.

What’s been done with FEMA grants

2storm safe rooms built

Disasters that hit Luverne

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Luverne itself: aid to households, or repair grants to the City of Luverne.

Brought FEMA money into LuverneDeclared for Crenshaw County only

2020

Hurricane Sally

$34K to the City of Luverne for repairs

2020

Severe Storms, Straight-Line Winds, and Tornadoes

$158K to the City of Luverne for repairs

2020

Severe Storms and Flooding

$310K to the City of Luverne for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$48K to the City of Luverne for repairs

2005

Hurricane Dennis

$35K to the City of Luverne for repairs

2004

Hurricane Ivan

149 households applied for aid $99K aid approved $261K to the City of Luverne for repairs

Crenshaw County has had 26 natural disasters declared since 1953, most often hurricanes and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Luverne is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Luverne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Luverne. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

Luverne, AL natural hazards

How exposed is Luverne?

What Luverne faces

Inland flooding

Hurricanes

Tornadoes

Lower here

Not a risk here

Does Luverne flood?

Biggest named events

What’s been done with FEMA grants

6 federal disasters brought FEMA money here

Hurricane Sally

Severe Storms, Straight-Line Winds, and Tornadoes

Severe Storms and Flooding

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

Hurricane Dennis

Hurricane Ivan

How to read this page

Where to, neighbor?

Matches

Nearby