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Natural hazards · Liberty

Liberty, IL natural hazards

Most of the natural-hazard damage FEMA expects in Liberty comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Liberty?

50
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Liberty to be higher than in 50% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding24%Cold waves19%Drought16%Heat waves13%Strong wind11%Tornadoes6%Everything else10%
By hazard

What Liberty faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

24% of expected damage
Above average · higher than 64% of U.S. places
Recorded about once a year in the area

Cold waves

19% of expected damage
Above average · higher than 52% of U.S. places
Recorded about 4 times a year in the area

Drought

16% of expected damage
Recorded about 4 times a year in the area

Heat waves

13% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 8 times a year in the area

Strong wind

11% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

6% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once every 8 years in the area

Lower here

HurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Liberty flood?

FEMA's records show no paid flood insurance claims in Liberty.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Liberty isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Adams County.
Disasters that hit Liberty

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Liberty itself: aid to households, or repair grants to the Village of Liberty.

Brought FEMA money into LibertyDeclared for Adams County only
2008

Severe Storms and Flooding

1 household applied for aid
2003

Severe Storms, Tornadoes, and Flooding

2 households applied for aid
Adams County has had 19 natural disasters declared since 1953, most often floods and severe storms.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Liberty is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Liberty’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Liberty. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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