Natural hazards · Luverne

Luverne, ND natural hazards

Most of the natural-hazard damage FEMA expects in Luverne comes from strong winds, and overall the risk is moderate 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 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 strong winds and cold waves.

Strong wind34%Cold waves22%Hail18%Inland flooding12%Ice storms6%Tornadoes5%Everything else3%

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.

Strong wind

34% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 2 times a year in the area

Cold waves

22% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 21 times a year in the area

Hail

18% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Inland flooding

12% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once a year in the area

Ice storms

6% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

5% of expected damage

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

Recorded about once every 2 years in the area

Lower here

Winter 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?

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

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: Steele County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Luverne

1 federal disaster 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 Steele County only

2009

Severe Storms and Flooding

4 households applied for aid $421 aid approved

Steele County has had 29 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. 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.