Photo: Andrew Bossi · CC BY-SA 2.5FEMA expects more hazard damage per building in Liberty Township than in 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Liberty Township gets a C for hazard risk: higher expected damage per building than 74% of U.S. towns. Most of that expected damage is river and rain flooding (91%). FEMA’s files show no paid flood insurance claims here.
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
Hurricanes
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 91% of the building damage FEMA expects in Liberty Township, and Liberty Township’s rate of river and rain flooding damage is higher than 86% of U.S. census tracts. Next is hurricanes at 6% (higher than 80% of U.S. census tracts).
C higher expected damage per building than 74% of U.S. towns (21,298).
All of Liberty Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $738K a year in losses across Liberty Township: $685K to buildings, the rest to people and crops.
Does Liberty Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Liberty Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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: Bedford County.The storms Liberty Township remembers
None of the 16 disasters declared for Bedford County shows FEMA aid or repair money reaching Liberty Township itself in FEMA’s records, so these are its biggest flood-claim years.
Bedford County has had 16 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Liberty Township and its neighbors
Liberty Township is 3rd of the 5 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 |
|---|---|---|---|
| North Woodbury Township | Aless damage than 95% | river and rain flooding | — |
| Woodbury Township | Cmore damage than 74% | river and rain flooding | 10 |
| Liberty Township | Cmore damage than 74% | river and rain flooding | 0 |
| Broad Top Township | C−more damage than 82% | river and rain flooding | 28 |
| South Woodbury Township | Dmore damage than 85% | river and rain flooding | 3 |
| Hopewell Township | — | 495 residents; we grade 1,000+ | |
| Riddlesburg | — | 152 residents; we grade 1,000+ | |
| Carbon Township | — | 220 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.
- 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.
- 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 higher expected damage per building than 74% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (91%) 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.
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 Bedford County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.9% 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 (91%), and Liberty Township’s rate for it is higher than 86% 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.