Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY-SA 4.0On FEMA’s figures, Liverpool faces less hazard damage per building than 97% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Liverpool gets an A+ for hazard risk: lower expected damage per building than 97% of U.S. towns. Most of that expected damage is river and rain flooding (82%). Flood insurance has paid 8 claims here since 1978.
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 stands out about Liverpool’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Liverpool 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
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 Liverpool’s grade
River and rain flooding is 82% of the building damage FEMA expects in Liverpool, and Liverpool’s rate of river and rain flooding damage is lower than 83% of U.S. census tracts.
A+ lower expected damage per building than 97% of U.S. towns (21,298).
All of Liverpool’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $338K a year in losses across Liverpool: $256K to buildings, the rest to people and crops.
Does Liverpool flood? Rarely: 8 flood claims since 1978
Every paid claim on a federal flood insurance policy in Liverpool, from FEMA’s records: 6.0 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.
Liverpool isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Onondaga County.2 federal disasters brought FEMA money to Liverpool
Disasters that paid out in Liverpool itself (aid to households or repair grants to the Village of Liverpool), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding3 households applied for aid$3K aid approved
- 2003Ice Storm69 households applied for aid$50K aid approved$11K to the Village of Liverpool for repairs
Onondaga County has had 13 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; the 2001 World Trade Center declarations.
Old photos of Liverpool after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Liverpool archive →Liverpool and its neighbors
Liverpool has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Liverpool | A+less damage than 97% | river and rain flooding | 8 |
| Galeville | — | a Census area inside a town; graded with the town | |
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 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.
- 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
Is Liverpool at risk for natural disasters?
On FEMA’s National Risk Index, Liverpool has lower expected damage per building than 97% of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (82%). 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 Liverpool flood?
Flood insurance has paid 8 claims in Liverpool since 1978, $11K in all, or 6.0 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Liverpool 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 Onondaga County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Liverpool?
FEMA’s Community Rating System list shows no discount for Liverpool’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?
By FEMA money that reached Liverpool, Ice Storm (2003): 69 households applied for aid, $50K approved, and $11K to the Village of Liverpool for repairs.
Is Liverpool at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (82%), and Liverpool’s rate for it is lower than 83% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Liverpool.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Liverpool’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.