Natural hazards · Lucerne Valley

Lucerne Valley, CA natural hazards

Most of the natural-hazard damage FEMA expects in Lucerne Valley comes from earthquakes, and overall the risk is very high for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lucerne Valley?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lucerne Valley to be higher than in 90% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes44%Inland flooding43%Wildfire7%Avalanches6%Everything else1%

By hazard

What Lucerne Valley faces

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

Earthquakes

44% of expected damage

Well above average · higher than 93% of U.S. places

Inland flooding

43% of expected damage

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

Recorded about 13 times a year in the area

Wildfire

7% of expected damage

Well above average · higher than 97% of U.S. places

Avalanches

6% of expected damage

Well below average · higher than 0% of U.S. places

Recorded about once every 15 years in the area

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesDroughtTsunamisVolcanic 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 Lucerne Valley flood?

FEMA's records show no paid flood insurance claims in Lucerne Valley.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: San Bernardino County.

Disasters that hit Lucerne Valley

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Lucerne Valley itself: aid to households, or repair grants to Lucerne Valley.

Brought FEMA money into Lucerne ValleyDeclared for San Bernardino County only

2023

Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

7 households applied for aid $62K aid approved

2020

Wildfires

2 households applied for aid

2004

Severe Storms, Flooding, Debris Flows, and Mudslides

4 households applied for aid $3K aid approved

2003

Wildfires, Flooding, Mudflow and Debris Flow Directly Related T

5 households applied for aid $21K aid approved

San Bernardino County has had 56 natural disasters declared since 1953, most often fires and floods.

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. Lucerne Valley covers 1 census tract, combined by population.

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

FEMA’s expected losses across Lucerne Valley total about $2.5M a year, counting buildings, people and crops.

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.