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Direct answer
Is Luke, MD safe from flooding?
Luke has moderate flooding exposure (39/100). It is not extreme, but damaging events can still occur.
City score
39/100
Level: moderate
State average
27/100
Same hazard across MD.
Comparison
Luke is 12 points above the state average for this hazard.
Why this answer
FEMA NFHL flood zones: 1 features intersect this tile.
This answer combines long-term hazard scoring with current live signals. Use the live page for active watch/warning context over the next 6-24 hours.
Insurance pricing and deductible structure can still vary by neighborhood and carrier, so validate policy details against this risk profile.
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