TownTapestry
Sign inJoin
LuverneGood morning
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 17 claims here since 1984. 4 federal disasters brought FEMA money into town.

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

How exposed is Luverne?

48
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.

17paid claims since 1984
$82Kpaid to owners
1homes flooded more than once
19842026

Biggest named events

  • Severe flooding: 3 claims, $3K
  • Midwest Flooding: 1 claim, $2K

Homes that flooded again and again

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

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

4 federal disasters brought FEMA money here

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

Brought FEMA money into LuverneDeclared for Rock County only
2024

Severe Storms and Flooding

46 households applied for aid $147K aid approved $138K to the City of Luverne for repairs
2014

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$232K to the City of Luverne for repairs
2013

Severe Winter Storm

$195K to the City of Luverne for repairs
2010

Severe Storms and Flooding

$11K to the City of Luverne for repairs
Rock County has had 14 natural disasters declared since 1953, most often floods and severe storms.
Around Luverne

Luverne and the towns around it

Luverne: Moderate, mostly inland floodingMound: Moderate, mostly inland floodingBeaver Creek: Moderate, mostly inland floodingMagnolia: Moderate, mostly inland floodingClinton: Moderate, mostly inland floodingVienna: Moderate, mostly inland floodingSpringwater: Moderate, mostly inland floodingDenver: Moderate, mostly inland floodingLuverne: Moderate, mostly inland flooding LuverneLuverneMound
Very lowLowModerateHighVery high
Moundmostly inland floodingModerate
Luvernemostly 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 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 Luverne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Luverne. 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.

The coffee’s on

Where to, neighbor?

You’re in Luverne, MNView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Luverne is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
Open detailed map