ZIP Code 64655 — Lucerne village, MO Demographics & Data

ZIP code 64655 covers Lucerne, MO in Putnam County with a population of about 72.

At a glance, the area shows median age of 61.9 versus a U.S. median of about 38.9.

It sits in telephone area code 660; U.S. House district MO-6; the OTTUMWA - KIRKSVILLE media market.

Lucerne, MO fits a retirement-oriented profile (high share of residents 65+ (45.8%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

On socioeconomic markers, US5 shows a poverty rate of 2.8%; unemployment rate near 0.0%; 11.8% of adults with a bachelor’s degree or higher (about 21.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Transportation, and Healthcare; a mean commute of about 34.0 minutes (U.S. average near 26.8).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for Lucerne village, MO as Very Low (composite score 8.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (40.1) and hurricane (11.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Lucerne village, MO show little to no average snow and around 41.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 64655 (Lucerne village, MO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.