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B−Hazard risk
Natural hazards in Liberty Township · FEMA

FEMA expects about as much hazard damage per building in Liberty Township as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Liberty Township gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns, #187 of 468 in New Jersey. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 3 claims here since 1999.

River and rain flooding 83%Hurricanes 6%Strong wind 5%

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

less than 52%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#187 of 468 in New Jersey
Hazard risk
B−#187 of 468
in New Jersey · lower than 52% of U.S. towns
Main hazard
River and rain flooding
83% of expected building damage
Flood claims
3
paid since 1999 · $28K
Disasters paid out here
6
of 19 declared for Warren County
By hazard

What Liberty 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

83%of expected building damage
Above average · higher than 67% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

6%of expected building damage
Above average · higher than 73% of U.S. census tracts
Recorded about once every 19 years in the area
Smaller shares here
 Strong wind Tornadoes Earthquakes Ice storms Winter storms Hail Wildfire Landslides top 5% Lightning Cold waves Heat waves Avalanches top 2%
FEMA models no building damage here
Coastal floodingTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 13% of Liberty Township’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Liberty Township’s grade

River and rain flooding is 83% of the building damage FEMA expects in Liberty Township, and Liberty Township’s rate of river and rain flooding damage is higher than 67% of U.S. census tracts. Strong wind adds 5%, at a rate in the top 8% of U.S. census tracts.

Where Liberty Township sits
Liberty Township
Least damageMiddleMost damage

B− #187 of 468 in New Jersey; lower expected damage per building than 52% of U.S. towns (21,298).

All of Liberty Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding83%Hurricanes6%Strong wind5%Everything else6%

The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Liberty Township has less expected damage per building than 60% of New Jersey towns.

In dollars, FEMA expects about $1.5M a year in losses across Liberty Township: $1.2M to buildings, the rest to people and crops.

Shared tract.All of Liberty Township’s 2,670 residents (2020 census) live in one census tract, which it shares with Knowlton township (2,894 residents) and Hope township (1,835 residents) and Mountain Lake CDP (494 residents) and Silver Lake CDP (333 residents) and Hope CDP (256 residents) and Columbia CDP (215 residents) and Delaware CDP (173 residents) and Mount Hermon CDP (172 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Liberty Township flood? Rarely: 3 flood claims since 1999

Every paid claim on a federal flood insurance policy in Liberty Township, from FEMA’s records: 2.7 per 1,000 homes, fewer than 54% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1999: 1 claim2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 2 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims19992011
19992026
Biggest named events
  • Hurricane Irene2 claims · $19K
  • Hurricane Floyd1 claim · $9K
3
paid claims since 1999
$28K
paid to owners
0
homes flooded more than once
$9K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Liberty 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: Warren County.
Disasters

6 federal disasters brought FEMA money to Liberty Township

Disasters that paid out in Liberty Township itself (aid to households or repair grants to Liberty Township), newest first, with that year’s flood claims.

  1. 2023Severe Storm and Flooding$21K to Liberty Township for repairs
  2. 2021Severe Winter Storm and Snowstorm$27K to Liberty Township for repairs
  3. 2016Severe Winter Storm and Snowstorm$15K to Liberty Township for repairs
  4. 2011Remnants of Tropical Storm Lee$63K to Liberty Township for repairs
  5. 2011Hurricane Irene$4K to Liberty Township for repairs2 flood claims paid for it, $19K
  6. 2004Severe Storms and Flooding$6K to Liberty Township for repairs
Disasters declared, by decade
Paid out in Liberty TownshipWarren County only

Warren County has had 19 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.

Were you here?

Old photos of Liberty Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Liberty Township archive →
Next door

Liberty Township and its neighbors

Liberty Township is 4th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Independence Township: hazard risk B+Hope Township: hazard risk B−Mansfield Township: hazard risk B+White Township: hazard risk DIndependence TownshipHope TownshipMansfield TownshipWhite TownshipLiberty Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Independence TownshipB+less damage than 72%river and rain flooding2
Mansfield TownshipB+less damage than 66%river and rain flooding17
Hope TownshipB−less damage than 52%river and rain flooding17
Liberty TownshipB−less damage than 52%river and rain flooding3
White TownshipDmore damage than 85%river and rain flooding49

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.

Be ready

Get ready for what Liberty 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.

When the river rises
  • 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.
More from Ready.gov ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Liberty Township

Is Liberty Township at risk for natural disasters?

On FEMA’s National Risk Index, Liberty Township has lower expected damage per building than 52% of U.S. towns: B− for hazard risk, #187 of 468 in New Jersey. Most of the expected damage is river and rain flooding (83%) and hurricanes (6%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Liberty Township flood?

Flood insurance has paid 3 claims in Liberty Township since 1999, $28K in all, or 2.7 per 1,000 homes, fewer than 54% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irene (2).

Is Liberty 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 Warren County, 47% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Liberty Township?

FEMA’s Community Rating System list shows no discount for Liberty 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 Liberty Township?

By FEMA money that reached Liberty Township, Remnants of Tropical Storm Lee (2011): $63K to Liberty Township for repairs. By flood claims, Hurricane Irene: 2 paid, $19K.

Is Liberty Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (83%), and Liberty Township’s rate for it is higher than 67% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Liberty Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Liberty 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.