Storms, floods and disasters in Liverpool Township
Liverpool Township isn’t graded for hazard risk: Liverpool Township has 434 residents; we grade towns of 1,000 or more. Flood insurance has paid 23 claims here since 1982.
What Liverpool Township 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
Tornadoes
Hail
Earthquakes
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.
Does Liverpool Township flood? Sometimes: 23 flood claims since 1982
Every paid claim on a federal flood insurance policy in Liverpool Township, from FEMA’s records.
- The Midwest Flooding3 claims · $28K
- The Mid-spring storms1 claim · $5K
Liverpool Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fulton County.2 federal disasters brought FEMA money to Liverpool Township
Disasters that paid out in Liverpool Township itself (aid to households or repair grants to Liverpool Township), newest first, with that year’s flood claims.
- 2006Snow$3K to Liverpool Township for repairs
- 1999Il-winter Storm 1/1/99$4K to Liverpool Township for repairs
Fulton County has had 17 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Liverpool Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Liverpool Township archive →Liverpool Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lewistown Township | B+less damage than 67% | river and rain flooding | 7 |
| Buckheart Township | B+less damage than 66% | river and rain flooding | 1 |
| Spring Lake Township | C−more damage than 77% | river and rain flooding | 30 |
| Quiver Township | — | 689 residents; we grade 1,000+ | |
| Banner Township | — | 512 residents; we grade 1,000+ | |
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 Liverpool Township 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.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Liverpool Township
Does Liverpool Township flood?
Flood insurance has paid 23 claims in Liverpool Township since 1982, $248K in all. The most claims came from Midwest Flooding (3).
Is Liverpool Township 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 Fulton County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Liverpool Township?
FEMA’s Community Rating System list shows no discount for Liverpool Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Liverpool Township?
By FEMA money that reached Liverpool Township, Il-winter Storm 1/1/99 (1999): $4K to Liverpool Township for repairs. By flood claims, Midwest Flooding: 3 paid, $28K.
Storm stories
Memories, warnings and help from neighbors in Liverpool Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Liverpool Township’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.