Natural hazards · Lutcher

Lutcher, LA natural hazards

Most of the natural-hazard damage FEMA expects in Lutcher comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 50 claims here since 1980. 11 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lutcher?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lutcher to be higher than in 90% of U.S. communities, mostly from hurricanes.

Hurricanes68%Inland flooding10%Tornadoes10%Everything else11%

By hazard

What Lutcher faces

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

Hurricanes

68% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

10% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

10% of expected damage

Above average · higher than 70% of U.S. places

Lower here

Coastal floodingHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Lutcher flood?

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

50paid claims since 1980

$1.9Mpaid to owners

3homes flooded more than once

19802026

Biggest named events

Hurricane Ida: 6 claims, $39K
Hurricane Francine: 4 claims, $215K
Mid-summer severe storms: 2 claims, $2K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Lutcher is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: St. James Parish.

Disasters that hit Lutcher

11 federal disasters brought FEMA money here

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

Brought FEMA money into LutcherDeclared for St. James Parish only

2024

Hurricane Francine

348 households applied for aid $1.1M aid approved $143K to the Town of Lutcher for repairs

2021

Hurricane Ida

1,237 households applied for aid $3.2M aid approved $1.6M to the Town of Lutcher for repairs

2016

Severe Storms and Flooding

38 households applied for aid $25K aid approved $57K to the Town of Lutcher for repairs

2012

Hurricane Isaac

396 households applied for aid $311K aid approved $87K to the Town of Lutcher for repairs

2008

Hurricane Gustav

599 households applied for aid $491K aid approved $249K to the Town of Lutcher for repairs

2005

Hurricane Rita

$2K to the Town of Lutcher for repairs

2005

Hurricane Katrina

1,086 households applied for aid $1.3M aid approved $103K to the Town of Lutcher for repairs

2004

Hurricane Ivan

$4K to the Town of Lutcher for repairs

2002

Hurricane Lili

$16K to the Town of Lutcher for repairs

2002

Tropical Storm Isidore

$9K to the Town of Lutcher for repairs

2001

Tropical Storm Allison

$3K to the Town of Lutcher for repairs

St. James Parish has had 31 natural disasters declared since 1953, most often hurricanes and floods.

Around Lutcher

Lutcher and the towns around it

Very lowLowModerateHighVery high

Paulinamostly hurricanesVery high

Gramercymostly hurricanesVery high

Lutchermostly hurricanesVery high

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. Lutcher covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lutcher’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lutcher. 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 Lutcher total about $2.9M 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.