Natural hazards · Luzerne

Luzerne, IA natural hazards

Most of the natural-hazard damage FEMA expects in Luzerne comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Luzerne?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Luzerne to be higher than in 34% of U.S. communities, mostly from inland flooding and drought.

Inland flooding38%Drought18%Strong wind16%Tornadoes11%Hail10%Everything else8%

By hazard

What Luzerne 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

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Drought

18% of expected damage

Recorded about 15 times a year in the area

Strong wind

16% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 8 years in the area

Hail

10% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Luzerne flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Benton County.

Disasters that hit Luzerne

1 federal disaster brought FEMA money here

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

Brought FEMA money into LuzerneDeclared for Benton County only

2020

Severe Storms

10 households applied for aid $723 aid approved

Benton County has had 14 natural disasters declared since 1953, most often floods 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. Luzerne 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 Luzerne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Luzerne. 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.