Natural hazards · Lu Verne

Lu Verne, IA natural hazards

Most of the natural-hazard damage FEMA expects in Lu Verne comes from inland flooding, and overall the risk is moderate 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 Lu Verne?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lu Verne to be higher than in 48% of U.S. communities, mostly from inland flooding and drought.

Inland flooding30%Drought28%Cold waves18%Tornadoes16%Everything else9%

By hazard

What Lu Verne faces

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

Inland flooding

30% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 3 times a year in the area

Drought

28% of expected damage

Recorded about 18 times a year in the area

Cold waves

18% of expected damage

Above average · higher than 74% of U.S. places

Recorded about 12 times a year in the area

Tornadoes

16% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Lu Verne flood?

FEMA's records show no paid flood insurance claims in Lu Verne.

of all homes
are insured

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

Insurance rates: Kossuth County.

Disasters that hit Lu Verne

4 federal disasters brought FEMA money here

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

Brought FEMA money into Lu VerneDeclared for Kossuth County only

2019

Severe Storms and Flooding

$89K to the City of Lu Verne for repairs

2010

Severe Storms, Flooding, and Tornadoes

3 households applied for aid $2K aid approved

2008

Severe Storms, Tornadoes, and Flooding

10 households applied for aid $18K aid approved $1K to the City of Lu Verne for repairs

2007

Snow

$2K to the City of Lu Verne for repairs

Kossuth County has had 17 natural disasters declared since 1953, most often severe storms 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. Lu Verne 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 Lu Verne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lu Verne. 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.