Clearing, The · Photo: Royalbroil · CC BY-SA 3.0FEMA expects less hazard damage per building in Liberty Grove than almost anywhere in the U.S., mostly from river and rain flooding
On FEMA’s National Risk Index, Liberty Grove gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (87%). 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 Grove 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 Grove’s grade
River and rain flooding is 87% of the building damage FEMA expects in Liberty Grove, and Liberty Grove’s rate of river and rain flooding damage is lower than 91% of U.S. census tracts. Next is tornadoes at 6% (lower than 56% of U.S. census tracts).
A+ among the lowest expected damage per building of U.S. towns (21,298).
Liberty Grove’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Liberty Grove: $690K to buildings, the rest to people and crops.
Liberty Grove and its neighbors
Liberty Grove has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Liberty Grove | A+among the lowest damage | river and rain flooding | 0 |
| Gibraltar | A+among the lowest damage | river and rain flooding | — |
| Baileys Harbor | A+less damage than 97% | river and rain flooding | — |
| Ephraim | — | 412 residents; we grade 1,000+ | |
| Washington | — | 803 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 Grove 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 Grove
Is Liberty Grove at risk for natural disasters?
On FEMA’s National Risk Index, Liberty Grove has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (87%) and tornadoes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Liberty Grove 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.
How much is flood insurance in Liberty Grove?
FEMA’s Community Rating System list shows no discount for Liberty Grove’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Liberty Grove at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Liberty Grove’s rate for it is lower than 91% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Liberty Grove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Liberty Grove’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.