Natural hazards · Liberty

Liberty, IN natural hazards

Most of the natural-hazard damage FEMA expects in Liberty comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Liberty?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Liberty to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes17%Cold waves9%Earthquakes7%Hail5%Everything else11%

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

50% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 26 years in the area

Cold waves

9% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

7% of expected damage

Above average · higher than 72% of U.S. places

Hail

5% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightningDrought

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: Hendricks County.

Disasters that hit Liberty

Federal disasters declared here

None of the disasters declared for Hendricks County shows FEMA aid or repair money reaching Liberty itself in FEMA’s records.

Brought FEMA money into LibertyDeclared for Hendricks County only

Hendricks County has had 12 natural disasters declared since 1953, most often severe storms and winter storms.

Around Liberty

Liberty and the towns around it

Very lowLowModerateHighVery high

Claymostly inland floodingModerate

Franklinmostly inland floodingModerate

Guilfordmostly inland floodingModerate

Plainfieldmostly inland floodingModerate

Monroemostly inland floodingModerate

Centermostly inland floodingModerate

Washingtonmostly inland floodingModerate

Avonmostly inland floodingLow

Libertymostly inland floodingLow

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 covers 1 census tract, combined by population.

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 Township of Liberty. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Liberty total about $2.2M a year, counting buildings, people and crops.

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.