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Natural hazards · Liberty

Liberty, NY natural hazards

Most of the natural-hazard damage FEMA expects in Liberty comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 7 claims here since 1978. 8 federal disasters brought FEMA money into town.

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

How exposed is Liberty?

6
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Liberty to be higher than in 6% of U.S. communities, mostly from inland flooding.

Inland flooding57%Cold waves15%Tornadoes11%Hurricanes6%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

57% of expected damage
Well below average · higher than 16% of U.S. places
Recorded about 2 times a year in the area

Cold waves

15% of expected damage
Above average · higher than 50% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

11% of expected damage
Below average · higher than 46% of U.S. places

Hurricanes

6% of expected damage
Above average · higher than 68% of U.S. places
Recorded about once every 25 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

7paid claims since 1978
$91Kpaid to owners
0homes flooded more than once
19782026
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: Sullivan County.
Disasters that hit Liberty

8 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 Sullivan County only
2012

Hurricane Sandy

48 households applied for aid $44K aid approved $32K to the Village of Liberty for repairs
2011

Hurricane Irene

8 households applied for aid $6K aid approved
2006

Severe Storms and Flooding

14 households applied for aid $14K aid approved
2005

Severe Storms and Flooding

2 households applied for aid $777 aid approved $2K to the Village of Liberty for repairs
2004

Tropical Depression Ivan

5 households applied for aid $3K aid approved $25K to the Village of Liberty for repairs
2004

Severe Storms and Flooding

1 household applied for aid $173K to the Village of Liberty for repairs
2003

Snow

$7K to the Village of Liberty for repairs
2002

Snowstorms

$13K to the Village of Liberty for repairs
Sullivan County has had 26 natural disasters declared since 1953, most often severe storms and hurricanes.
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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