Photo: Alainmoscoso · CC BY-SA 3.0Storms, floods and disasters in Luke
Luke isn’t graded for hazard risk: Luke has 89 residents; we grade towns of 1,000 or more.
What Luke faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Luke flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Luke. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Luke isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Allegany County.3 federal disasters brought FEMA money to Luke
Disasters that paid out in Luke itself (aid to households or repair grants to the Town of Luke), newest first, with that year’s flood claims.
- 2016Severe Winter Storm and Snowstorm$14K to the Town of Luke for repairs
- 2010Severe Winter Storms and Snowstorms$4K to the Town of Luke for repairs
- 2003Snow$3K to the Town of Luke for repairs
Allegany County has had 13 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Luke after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Luke archive →Luke and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Piedmont | — | 735 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Luke faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Luke
Is Luke in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Allegany County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Luke?
FEMA’s Community Rating System list shows no discount for Luke’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Luke?
By FEMA money that reached Luke, Severe Winter Storm and Snowstorm (2016): $14K to the Town of Luke for repairs.
Storm stories
Memories, warnings and help from neighbors in Luke.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Luke’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.