Photo: Nyttend · Public domainFEMA 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. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 3 claims here since 2008.
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 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
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 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 66% of U.S. census tracts. Next is tornadoes at 7% (higher than 68% of U.S. census tracts).
B− lower expected damage per building than 52% of U.S. towns (21,298).
Liberty Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $794K a year in losses across Liberty Township: $635K to buildings, the rest to people and crops.
Does Liberty Township flood? Rarely: 3 flood claims since 2008
Every paid claim on a federal flood insurance policy in Liberty Township, from FEMA’s records: 3.1 per 1,000 homes, fewer than 51% of the 13,809 U.S. towns with a flood insurance record.
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: Adams County.The storms Liberty Township remembers
None of the 15 disasters declared for Adams County shows FEMA aid or repair money reaching Liberty Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20081 flood claims paidNo declaration for the county that year
- 20161 flood claims paidNo declaration for the county that year
- 20221 flood claims paidNo declaration for the county that year
Adams County has had 15 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 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 →Liberty Township and its neighbors
Liberty Township is 2nd of the 4 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 |
|---|---|---|---|
| Tiffin Township | B+less damage than 74% | river and rain flooding | — |
| Liberty Township | B−less damage than 52% | river and rain flooding | 3 |
| Wayne Township | B−less damage than 50% | river and rain flooding | — |
| Sprigg Township | Cmore damage than 74% | river and rain flooding | — |
| Bentonville | — | 277 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 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.
- 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.
- 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 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. Most of the expected damage is river and rain flooding (83%) and tornadoes (7%). 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 2008, $38K in all, or 3.1 per 1,000 homes, fewer than 51% of U.S. towns with a flood insurance record.
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 Adams County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.3% 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.
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 66% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Liberty Township.
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.