Natural Disaster Risk in Lucerne

Natural Hazard Profile: Lucerne, Indiana

Lucerne, in Cass County, is a small unincorporated community situated in the interior eastern United States. Its humid continental climate brings cold winters and warm, humid summers with variable severe weather, and in particular spring tornado risk across the state. These conditions collectively define the natural hazard environment that Lucerne residents and property owners must navigate.

Lucerne's overall natural disaster risk is rated 5.9/10 (Moderate) by FEMA's National Risk Index. Strong wind is the primary natural hazard, with the area exposed to downburst winds from convective storms that can exceed 80 mph and cause hurricane-level localized damage. Secondary hazards include hail and cold wave.

Within Indiana, Lucerne's risk is, slightly above the 5.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Cass County identifies wind as the foremost hazard, followed by hail and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

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