Liberty County, Florida: hazard risk
FEMA rates Liberty County's overall risk Very Low (score 12.7 of 100, higher than 12% of rated U.S. counties). Its storm record holds 219 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hurricane | Relatively Moderate | 82.1 | $2.2M |
| Lightning | Relatively Moderate | 73.6 | $493K |
| Wildfire | Relatively Low | 68.6 | $140K |
| Cold Wave | Relatively Low | 28.6 | $337K |
| Tornado | Relatively Low | 28.3 | $399K |
| Coastal Flooding | Very Low | 28.6 | $3K |
| Heat Wave | Very Low | 24.1 | $79K |
| Earthquake | Very Low | 16.7 | $18K |
| Landslide | Very Low | 15.1 | $55 |
| Drought | Very Low | 13.6 | $139 |
| Riverine Flooding | Very Low | 8.9 | $1.1M |
| Strong Wind | Very Low | 6.3 | $37K |
| Winter Weather | Very Low | 2.9 | $2K |
| Hail | Very Low | 2.6 | $4K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 76 | 0 | $316K | 61st of 67 | 2453rd of 3,080 |
| Drought | 36 | 0 | – | 17th of 67 | 1269th of 3,063 |
| Hurricanes and tropical storms | 23 | 5 | $709M | 39th of 67 | 244th of 1,849 |
| Hail | 22 | 0 | – | 64th of 67 | 2754th of 3,080 |
| Tornadoes | 19 | 0 | $1.2M | 62nd of 67 | 2109th of 3,080 |
| Floods | 13 | 0 | $649K | 64th of 67 | 2699th of 3,080 |
| Heat | 8 | 0 | – | 15th of 67 | 1500th of 3,076 |
| Wildfires | 6 | 0 | – | 31st of 67 | 378th of 2,972 |
| Extreme cold | 4 | 0 | $50K | 42nd of 67 | 2452nd of 3,076 |
| Heavy rain | 3 | 0 | – | 59th of 67 | 1801st of 3,080 |
| Lightning | 3 | 1 | $103K | 58th of 67 | 1489th of 3,080 |
| Winter storms | 3 | 0 | $749K | 28th of 67 | 3004th of 3,077 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Liberty County record: every hazard by year and month, the deadliest events and FEMA's declarations.