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Natural hazards · Lake Luzerne

Lake Luzerne, NY natural hazards

Most of the natural-hazard damage FEMA expects in Lake Luzerne comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 21 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

How exposed is Lake Luzerne?

61
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lake Luzerne to be higher than in 61% of U.S. communities, mostly from inland flooding.

Inland flooding71%Cold waves14%Lightning5%Everything else10%
By hazard

What Lake Luzerne faces

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

Inland flooding

71% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about 2 times a year in the area

Cold waves

14% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 3 times a year in the area

Lightning

5% of expected damage
Above average · higher than 60% of U.S. places

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Lake Luzerne flood?

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

21paid claims since 1979
$817Kpaid to owners
2homes flooded more than once
19792026

Homes that flooded again and again

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

of all homes
are insured
No community discount. Lake Luzerne isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Warren County.
Disasters that hit Lake Luzerne

4 federal disasters brought FEMA money here

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

Brought FEMA money into Lake LuzerneDeclared for Warren County only
2019

Severe Storms, Straight-Line Winds, and Flooding

$7K to the Town of Lake Luzerne for repairs
2011

Hurricane Irene

13 households applied for aid $26K aid approved $499K to the Town of Lake Luzerne for repairs
2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$12K to the Town of Lake Luzerne for repairs
2010

Severe Storms and Flooding

$4K to the Town of Lake Luzerne for repairs
Warren County has had 14 natural disasters declared since 1953, most often floods and hurricanes.
Around Lake Luzerne

Lake Luzerne and the towns around it

Hadley: High, mostly inland floodingCorinth: Moderate, mostly inland floodingCorinth: Moderate, mostly inland floodingMoreau: Very low, mostly inland floodingQueensbury: Low, mostly inland floodingLake George: Low, mostly inland floodingWarrensburg: Moderate, mostly inland floodingDay: Moderate, mostly inland floodingStony Creek: High, mostly inland floodingGreenfield: Low, mostly inland floodingWilton: Very low, mostly inland floodingEdinburg: Low, mostly inland floodingFort Edward: Low, mostly inland floodingGlens Falls: Very low, mostly inland floodingFort Edward: Moderate, mostly inland floodingSouth Glens Falls: Very low, mostly inland floodingHudson Falls: Very low, mostly inland floodingKingsbury: Very low, mostly inland floodingNorthumberland: Very low, mostly inland floodingFort Ann: Low, mostly inland floodingBolton: Low, mostly inland floodingThurman: High, mostly inland floodingHoricon: High, mostly inland floodingChester: High, mostly inland floodingLake Luzerne: High, mostly inland flooding Lake LuzerneHadleyCorinthCorinthMoreauQueensburyLake GeorgeWarrensburg
Very lowLowModerateHighVery high
Lake Luzernemostly inland floodingHigh
Hadleymostly inland floodingHigh
Corinthmostly inland floodingModerate
Warrensburgmostly inland floodingModerate
Corinthmostly inland floodingModerate
Lake Georgemostly inland floodingLow
Queensburymostly inland floodingLow
Moreaumostly inland floodingVery low
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. Lake Luzerne covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Lake Luzerne’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lake Luzerne. 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 Lake Luzerne total about $1.4M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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