Natural hazards · Liberty

Liberty, KY 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. Flood insurance has paid 22 claims here since 2010. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Liberty?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Liberty to be higher than in 55% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes17%Cold waves13%Strong wind6%Everything else12%

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

53% of expected damage

Above average · higher than 69% 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 40 years in the area

Cold waves

13% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Strong wind

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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?

Every paid claim on a federal flood insurance policy in Liberty, from FEMA’s records.

22paid claims since 2010

$3.0Mpaid to owners

1homes flooded more than once

20102026

Biggest named events

Central U.S. April Flooding: 1 claim, $52K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

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: Casey County.

Disasters that hit Liberty

3 federal disasters brought FEMA money here

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

Brought FEMA money into LibertyDeclared for Casey County only

2025

Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides

$398K to the City of Liberty for repairs

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

138 households applied for aid $323K aid approved $222K to the City of Liberty for repairs

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

6 households applied for aid $2K aid approved

Casey County has had 30 natural disasters declared since 1953, most often severe storms and floods.

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 City 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.