Property Atlas

County hazard profile

Liberty, TX

Texas · pop. 91,492 · FIPS 48291

Relatively Low
FEMA risk rating · RATING
Lightning
dominant hazard
$33M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Liberty $33M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 79.52/100
national median ~50 higher than 80% of counties
Social vulnerabilityRelatively High 67.11/100
national median ~50 near the national middle (67th percentile)
Community resilienceVery Low 19.15/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Liberty

The National Flood Insurance Program has paid 3,304 flood-insurance claims totaling $109.2M in Liberty since 1978. The costliest year was 2017 ($39.3M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $404,538 paid 1980: $55,251 paid 1981: $112,791 paid 1982: $7,678 paid 1983: $266,458 paid 1984: $144 paid 1985: $8,009 paid 1986: $137,116 paid 1987: $2,791 paid 1989: $1,179,331 paid 1990: $2,758,229 paid 1991: $544,119 paid 1992: $1,252,641 paid 1993: $156,292 paid 1994: $8,687,214 paid 1995: $50,557 paid 1996: $129,284 paid 1997: $152,235 paid 1998: $1,618,903 paid 1999: $132,941 paid 2000: $4,574,359 paid 2001: $387,617 paid 2002: $543,041 paid 2003: $63,372 paid 2004: $45,819 paid 2005: $134,057 paid 2006: $767,281 paid 2007: $174,282 paid 2008: $395,501 paid 2009: $104,504 paid 2010: $0 paid 2011: $0 paid 2012: $101,133 paid 2013: $11,985 paid 2014: $73,455 paid 2015: $3,523,192 paid 2016: $1,059,320 paid 2017: $39,342,648 paid 2018: $121,739 paid 2019: $29,273,743 paid 2020: $4,471 paid 2021: $6,183 paid 2022: $174,491 paid 2023: $0 paid 2024: $10,622,700 paid 2017 · $39.3M 1978 2024
$109.2M
total paid
$33,039
average claim
$1.0M
largest single claim
40%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Liberty, TX and where it ranks among U.S. counties. It is not a verdict on whether Liberty is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.