FEMA puts Liberty Triangle’s expected hazard damage per building above that of 78% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Liberty Triangle gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns, #297 of 638 in Florida. Most of that expected damage is river and rain flooding (49%), then hurricanes (44%). Flood insurance has paid 1 claim here since 2023.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Liberty Triangle faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Liberty Triangle’s grade
River and rain flooding is 49% of the building damage FEMA expects in Liberty Triangle, and Liberty Triangle’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Hurricanes add 44%, at a rate in the top 8% of U.S. census tracts.
C− #297 of 638 in Florida; higher expected damage per building than 78% of U.S. towns (21,298).
Liberty Triangle’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Liberty Triangle has less expected damage per building than 54% of Florida towns.
In dollars, FEMA expects about $7.2M a year in losses across Liberty Triangle: $5.6M to buildings, the rest to people and crops.
Does Liberty Triangle flood? Rarely: 1 flood claim since 2023
Every paid claim on a federal flood insurance policy in Liberty Triangle, from FEMA’s records: 0.1 per 1,000 homes, fewer than 99% of the 13,809 U.S. towns with a flood insurance record.
Liberty Triangle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Marion County.The storms Liberty Triangle remembers
None of the 25 disasters declared for Marion County shows FEMA aid or repair money reaching Liberty Triangle itself in FEMA’s records, so these are its biggest flood-claim years.
- 20231 flood claims paidThe year of Hurricane Idalia, declared for Marion County
Marion County has had 25 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 2 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Marion County, 1999–2000.
Old photos of Liberty Triangle after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Liberty Triangle archive →Liberty Triangle and its neighbors
Liberty Triangle is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Ocala | Cmore damage than 66% | hurricanes | 35 |
| Liberty Triangle | C−more damage than 78% | river and rain flooding | 1 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Liberty Triangle faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Liberty Triangle
Is Liberty Triangle at risk for natural disasters?
On FEMA’s National Risk Index, Liberty Triangle has higher expected damage per building than 78% of U.S. towns: C− for hazard risk, #297 of 638 in Florida. Most of the expected damage is river and rain flooding (49%) and hurricanes (44%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Liberty Triangle flood?
Flood insurance has paid 1 claim in Liberty Triangle since 2023, $106K in all, or 0.1 per 1,000 homes, fewer than 99% of U.S. towns with a flood insurance record.
Is Liberty Triangle in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Marion County, 22% of homes in mapped flood zones carry federal flood insurance, and 2.0% of all homes do.
How much is flood insurance in Liberty Triangle?
FEMA’s Community Rating System list shows no discount for Liberty Triangle’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Liberty Triangle at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (49%), and Liberty Triangle’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Liberty Triangle.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Liberty Triangle’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.