Photo: Djmaschek · CC BY-SA 4.0Storms, floods and disasters in Liverpool
Liverpool isn’t graded for hazard risk: Liverpool has 477 residents; we grade towns of 1,000 or more. Flood insurance has paid 56 claims here since 1979.
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
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.
Does Liverpool flood? Sometimes: 56 flood claims since 1979
Every paid claim on a federal flood insurance policy in Liverpool, from FEMA’s records.
- Hurricane Harvey28 claims · $2.4M
- Tropical Storm Claudette2 claims · $40K
- Hurricane Claudette2 claims · $27K
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: Brazoria County.5 federal disasters brought FEMA money to Liverpool
Disasters that paid out in Liverpool itself (aid to households or repair grants to the City of Liverpool), newest first, with that year’s flood claims.
- 2024Hurricane Beryl241 households applied for aid$513K aid approved1 flood claim paid for it, $3K
- 2021Severe Winter Storms52 households applied for aid$78K aid approved
- 2017Hurricane Harvey275 households applied for aid$1.7M aid approved28 flood claims paid for it, $2.4M
- 2008Hurricane Ike246 households applied for aid$327K aid approved$194K to the City of Liverpool for repairs
- 2005Hurricane Rita56 households applied for aid$20K aid approved$1K to the City of Liverpool for repairs
Brazoria County has had 28 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
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 →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.
- 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 Liverpool
Does Liverpool flood?
Flood insurance has paid 56 claims in Liverpool since 1979, $2.8M in all. 7 properties have flooded more than once. The most claims came from Hurricane Harvey (28).
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 Brazoria County, 43% of homes in mapped flood zones carry federal flood insurance, and 22.5% 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, Hurricane Harvey (2017): 275 households applied for aid, $1.7M approved. By flood claims, Hurricane Harvey: 28 paid, $2.4M.
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.