Natural hazards · Luce

Luce, IN natural hazards

Most of the natural-hazard damage FEMA expects in Luce comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 1997.

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

Expected damage

How exposed is Luce?

High

vs. U.S. communities

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

Inland flooding46%Earthquakes18%Tornadoes12%Strong wind7%Everything else17%

By hazard

What Luce faces

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

Inland flooding

46% of expected damage

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

Recorded about 3 times a year in the area

Earthquakes

18% of expected damage

Well above average · higher than 83% of U.S. places

Tornadoes

12% of expected damage

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

Recorded about once every 19 years in the area

Strong wind

7% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightningDrought

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 Luce flood?

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

7paid claims since 1997

$52Kpaid to owners

0homes flooded more than once

19972026

Biggest named events

Central U.S. April Flooding: 3 claims, $27K
Mid-spring storms: 1 claim, $2K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Spencer County.

Disasters that hit Luce

Federal disasters declared here

None of the disasters declared for Spencer County shows FEMA aid or repair money reaching Luce itself in FEMA’s records.

Brought FEMA money into LuceDeclared for Spencer County only

Spencer County has had 12 natural disasters declared since 1953, most often severe storms and floods.

Around Luce

Luce and the towns around it

Very lowLowModerateHighVery high

Ohiomostly inland floodingVery high

Lucemostly inland floodingHigh

Andersonmostly inland floodingHigh

Boonmostly inland floodingHigh

Grassmostly earthquakesModerate

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. Luce covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Luce’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Luce. 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 Luce total about $2.0M 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.