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Natural hazards · Liberty

Liberty, NJ 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 3 claims here since 1999. 6 federal disasters brought FEMA money into town.

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

How exposed is Liberty?

46
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Liberty to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding65%Cold waves13%Hurricanes6%Strong wind5%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

65% of expected damage
Above average · higher than 67% of U.S. places
Recorded about 2 times a year in the area

Cold waves

13% of expected damage
Below average · higher than 33% of U.S. places
Recorded about once a year in the area

Hurricanes

6% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once every 19 years in the area

Strong wind

5% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 6 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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.

3paid claims since 1999
$28Kpaid to owners
0homes flooded more than once
19992026

Biggest named events

  • Hurricane Irene: 2 claims, $19K
  • Hurricane Floyd: 1 claim, $9K
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: Warren County.
Disasters that hit Liberty

6 federal disasters brought FEMA money here

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

Brought FEMA money into LibertyDeclared for Warren County only
2023

Severe Storm and Flooding

$21K to the Township of Liberty for repairs
2021

Severe Winter Storm and Snowstorm

$27K to the Township of Liberty for repairs
2016

Severe Winter Storm and Snowstorm

$15K to the Township of Liberty for repairs
2011

Remnants of Tropical Storm Lee

$63K to the Township of Liberty for repairs
2011

Hurricane Irene

$4K to the Township of Liberty for repairs
2004

Severe Storms and Flooding

$6K to the Township of Liberty for repairs
Warren County has had 21 natural disasters declared since 1953, most often severe storms and hurricanes.
Around Liberty

Liberty and the towns around it

Independence: Low, mostly inland floodingHope: Moderate, mostly inland floodingMansfield: Low, mostly inland floodingWhite: High, mostly inland floodingHackettstown: Moderate, mostly inland floodingAllamuchy: Low, mostly inland floodingFrelinghuysen: Low, mostly inland floodingBlairstown: Moderate, mostly inland floodingKnowlton: Moderate, mostly inland floodingWashington: Low, mostly inland floodingLebanon: Moderate, mostly inland floodingWashington: Moderate, mostly inland floodingOxford: Low, mostly inland floodingBelvidere: Very high, mostly inland floodingUpper Mount Bethel: Moderate, mostly inland floodingLower Mount Bethel: High, mostly inland floodingHarmony: High, mostly inland floodingLiberty: Moderate, mostly inland flooding LibertyIndependenceHopeMansfieldWhite
Very lowLowModerateHighVery high
Whitemostly inland floodingHigh
Libertymostly inland floodingModerate
Hopemostly inland floodingModerate
Mansfieldmostly inland floodingLow
Independencemostly 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 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 Township 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/15 · 2025-01-01
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