Photo: Michel Curi · CC BY 2.0Storms, floods and disasters in Luverne Township
Luverne Township isn’t graded for hazard risk: Luverne Township has 606 residents; we grade towns of 1,000 or more. Flood insurance has paid 12 claims here since 1984.
What Luverne Township 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
Tornadoes
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 Luverne Township flood? Sometimes: 12 flood claims since 1984
Every paid claim on a federal flood insurance policy in Luverne Township, from FEMA’s records.
- The Midwest Flooding1 claim · $2K
Luverne Township 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.The storms Luverne Township remembers
None of the 13 disasters declared for Rock County shows FEMA aid or repair money reaching Luverne Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20145 flood claims paidThe year of Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides, declared for Rock County
- 19943 flood claims paidNo declaration for the county that year
- 19842 flood claims paidNo declaration for the county that year
Rock County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Luverne Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Luverne Township archive →Luverne Township 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 |
|---|---|---|---|
| Luverne | B−more damage than 52% | river and rain flooding | 17 |
| Beaver Creek Township | — | 363 residents; we grade 1,000+ | |
| Magnolia Township | — | 180 residents; we grade 1,000+ | |
| Mound Township | — | 253 residents; we grade 1,000+ | |
| Clinton Township | — | 223 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 Luverne Township 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Luverne Township
Does Luverne Township flood?
Flood insurance has paid 12 claims in Luverne Township since 1984, $96K in all. The most claims came from Midwest Flooding (1).
Is Luverne Township 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 Rock County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Luverne Township?
FEMA’s Community Rating System list shows no discount for Luverne Township’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 Luverne Township?
By flood claims, Midwest Flooding: 1 paid, $2K.
Storm stories
Memories, warnings and help from neighbors in Luverne Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Luverne Township’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.