Natural hazards · Luverne

Luverne, MN natural hazards

Most of the natural-hazard damage FEMA expects in Luverne comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1984.

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

Expected damage

How exposed is Luverne?

Moderate

vs. U.S. communities

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

Inland flooding41%Tornadoes22%Cold waves21%Strong wind5%Everything else12%

By hazard

What Luverne faces

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

Inland flooding

41% of expected damage

Above average · higher than 54% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

22% of expected damage

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

Cold waves

21% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 10 times a year in the area

Strong wind

5% of expected damage

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

Recorded about 4 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Luverne flood?

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

12paid claims since 1984

$96Kpaid to owners

0homes flooded more than once

19842026

Biggest named events

Midwest Flooding: 1 claim, $2K

of all homes
are insured

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

Insurance rates: Rock County.

Disasters that hit Luverne

Federal disasters declared here

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

Brought FEMA money into LuverneDeclared for Rock County only

Rock County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Luverne

Luverne and the towns around it

Very lowLowModerateHighVery high

Beaver Creekmostly inland floodingModerate

Magnoliamostly inland floodingModerate

Moundmostly inland floodingModerate

Clintonmostly inland floodingModerate

Luvernemostly inland floodingModerate

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. Luverne covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Luverne’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Luverne. 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 Luverne total about $1.8M 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.