Storms, floods and disasters in Liberty
Liberty isn’t graded for hazard risk: Liberty has 969 residents; we grade towns of 1,000 or more.
What Liberty 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
Ice storms
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 Liberty flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Liberty. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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: Waldo County.11 federal disasters brought FEMA money to Liberty
Disasters that paid out in Liberty itself (aid to households or repair grants to the Town of Liberty), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding3 households applied for aid$7K aid approved
- 2023Severe Storm and Flooding$53K to the Town of Liberty for repairs
- 2022Severe Storm and Flooding$17K to the Town of Liberty for repairs
- 2021Severe Storm and Flooding$18K to the Town of Liberty for repairs
- 2009Severe Storms, Flooding, and Landslides$23K to the Town of Liberty for repairs
- 2008Severe Winter Storm and Flooding$17K to the Town of Liberty for repairs
Show all 11
- 2008Severe Storms and Flooding$95K to the Town of Liberty for repairs
- 2007Severe Storms and Inland and Coastal Flooding$80K to the Town of Liberty for repairs
- 2007Flooding$10K to the Town of Liberty for repairs
- 2005Severe Storms, Flooding, Snow Melt, and Ice Jams$17K to the Town of Liberty for repairs
- 2003Severe Storms, Flooding, Snow Melt and Ice Jams$13K to the Town of Liberty for repairs
Waldo County has had 22 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Liberty after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Liberty archive →Liberty 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 |
|---|---|---|---|
| Appleton | B+less damage than 65% | river and rain flooding | — |
| Washington | Bless damage than 60% | river and rain flooding | — |
| Palermo | Bless damage than 56% | river and rain flooding | — |
| Montville | B−less damage than 50% | river and rain flooding | — |
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 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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
Is Liberty 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 Waldo County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Liberty?
FEMA’s Community Rating System list shows no discount for Liberty’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 Liberty?
By FEMA money that reached Liberty, Severe Storms and Flooding (2008): $95K to the Town of Liberty for repairs.
Storm stories
Memories, warnings and help from neighbors in Liberty.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Liberty’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.