Direct answer
Is Luverne, ND safe from flooding?
Luverne is lower risk for flooding in the long-term model (16/100), but risk is not zero during active weather periods.
City score
16/100
Level: low
P85-based state reference
52/100
Same hazard across ND.
Comparison
Luverne is 36 points below the state reference for this hazard.
Why this answer
FEMA NFHL flood zones: 1 features intersect this tile.
This answer uses stored long-term hazard scores and the statewide reference. It does not describe current conditions. Open the separate live page for available weather and alert signals, and follow official watches, warnings, and emergency guidance.
Insurance pricing and deductible structure can still vary by neighborhood and carrier, so validate policy details against this risk profile.
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