Liberty County flood history
Georgia · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 174 flood insurance claims in Liberty County, Georgia since 1978. The NFIP paid $2.9 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2017, with 65, mostly from Hurricane Irma.
In the last ten years (2017–2026) there were 104 claims, and the average paid claim was $36,592.
25% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 6.7% of homes in Liberty County, Georgia had an NFIP flood policy in FEMA's latest count (1,473 of 22,113 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 40% (925 of 2,291).
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 2 | $553 |
| 2025 | 5 | $20,172 |
| 2024 | 18 | $494,269 |
| 2023 | 1 | $0 |
| 2022 | 3 | $9,422 |
| 2021 | 3 | $15,407 |
| 2020 | 2 | $2,919 |
| 2019 | 2 | $31,909 |
| 2018 | 3 | $0 |
| 2017 | 65 | $2.2 million |
| 2016 | 22 | $27,640 |
| 2015 | 1 | $0 |
| 2014 | 2 | $0 |
| 2013 | 1 | $0 |
| 2011 | 2 | $0 |
| 2010 | 2 | $5,252 |
| 2009 | 2 | $4,118 |
| 2008 | 2 | $0 |
| 2006 | 3 | $2,842 |
| 2005 | 2 | $1,894 |
| 2004 | 4 | $53,466 |
| 2003 | 7 | $15,696 |
| 2000 | 1 | $0 |
| 1998 | 4 | $1,489 |
| 1997 | 2 | $0 |
| 1996 | 1 | $0 |
| 1995 | 6 | $32,474 |
| 1994 | 5 | $37,607 |
| 1980 | 1 | $333 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Hurricane Irma | 2017 | 61 | $2.1 million |
| Hurricane Debby | 2024 | 10 | $474,656 |
| Flooding | 1994 | 5 | $37,607 |
| Hurricane Matthew | 2016 | 18 | $27,640 |
| Hurricane Helene | 2024 | 5 | $19,416 |
| Hurricane Ian | 2022 | 1 | $0 |
How many homes have flood insurance
FEMA counts 1,473 residential NFIP policies in Liberty County, against 22,113 residential buildings (6.7%). Of the 2,291 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 925 have an NFIP policy (40%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Georgia.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.