🌍 ClimateRiskCheck

Natural Disaster Risk in Luverne

Alabama

4.7out of 10
Moderate Risk

Risk Summary for Luverne

Luverne scores 4.7/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Tornado Lightning

All 18 Hazard Scores

Hurricane
9.0
Tornado
6.8
Lightning
6.3
Extreme Heat
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Landslide
4.8
Strong Wind
4.5
Avalanche
4.5
Earthquake
4.4
Drought
4.4
Cold Wave
3.7
Wildfire
3.4
Hail
2.5
Ice Storm
2.3
Winter Weather
1.7
Riverine Flooding
1.0

How it compares

Luverne
4.7
Alabama avg.
6.0
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Luverne, Alabama

Located in the Deep South in Crenshaw County, Luverne is a town of roughly 5,125 residents. The humid subtropical climate that characterizes this part of Alabama β€” marked by hot, humid summers and mild winters typical of the Deep South β€” directly influences the types and severity of natural hazards present, making Luverne a community where hazard awareness has real practical value.

Luverne's overall natural disaster risk is rated 4.7/10 (Moderate) by FEMA's National Risk Index. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. Secondary hazards include tornado and lightning.

Relative to other U.S. communities, Luverne's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 6.0/10 state average. The hazard distribution here is led by hurricane and tornado, as measured by FEMA across Crenshaw County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Luverne residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.

What this means for Luverne: Hurricane preparedness

  • Know your evacuation zone and route before hurricane season begins each June.
  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.

Local Factors for Luverne

These city-level factors differentiate Luverne from other communities in Crenshaw County and provide geographic context for its hazard exposure.

Population

5,125

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Warm Subtropical

Latitude 31.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.4/10

Coordinates

31.7661Β° N, 86.2809Β° W

Crenshaw County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Luverne

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Luverne

Other cities in Alabama

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.