Natural Disaster Risk in Luling
Louisiana
Risk Summary for Luling
Luling scores 5.6/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Luling, Louisiana
Luling, in St. Charles County, is a city of approximately 13,960 residents situated along the Gulf Coast. Its humid subtropical climate brings very hot summers, mild winters, and exceptionally high humidity, and in particular a lengthy hurricane and tropical storm season. These conditions collectively define the natural hazard environment that Luling residents and property owners must navigate.
Luling's overall natural disaster risk is rated 5.6/10 (Moderate) by FEMA's National Risk Index. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Secondary hazards include hurricane and heat.
Within Louisiana, Luling's risk is, slightly below the 6.1/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of St. Charles County identifies coastal flood as the foremost hazard, followed by hurricane and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Luling 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 coastal flood is recommended.
What this means for Luling: Coastal Flooding preparedness
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
Local Factors for Luling
These city-level factors differentiate Luling from other communities in St. Charles County and provide geographic context for its hazard exposure.
Population
13,960
SuburbanGeographic Zone
Gulf Coast
Hurricane, surge & flood risk
Climate Band
Warm Subtropical
Latitude 29.8Β°
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: 2.9/10
Coordinates
29.8330Β° N, 90.3052Β° W
St. Charles 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 Luling
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Luling
Other cities in Louisiana
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.