Natural hazards · Lucerne

Lucerne, WY natural hazards

Most of the natural-hazard damage FEMA expects in Lucerne comes from inland flooding, and overall the risk is very high for a U.S. community.

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

Expected damage

How exposed is Lucerne?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lucerne to be higher than in 87% of U.S. communities, mostly from inland flooding.

Inland flooding76%Earthquakes6%Everything else18%

By hazard

What Lucerne faces

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

Inland flooding

76% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 5 years in the area

Earthquakes

6% of expected damage

Well above average · higher than 79% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDroughtAvalanchesVolcanic activity

Not a risk here

Coastal floodingHurricanesTsunamis

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 Lucerne flood?

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

of all homes
are insured

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

Insurance rates: Hot Springs County.

Disasters that hit Lucerne

Federal disasters declared here

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

Brought FEMA money into LucerneDeclared for Hot Springs County only

Hot Springs County has had 2 natural disasters declared since 1953, most often fires and floods.

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. Lucerne 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 Lucerne’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lucerne. 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.