Liberty County, GA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Liberty County scores at the 52.3th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is split between inland river flooding (about once every 3 years) and coastal storm surge (about 3.6 times a year). That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Liberty County's flood-insurance compliance gap
40.4% of the homes FEMA requires to carry flood insurance in Liberty County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 925 policies against 2,291 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 6.7% of all residential structures in Liberty County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Liberty County ranks
Among the 3144 US counties FEMA scores for flood hazard, Liberty County ranks 1562 — 1 being the highest hazard nationally — and 801 by population among all 3144 counties covered here, where 1 is the largest. About 68,607 people live in Liberty County, Georgia, spread over 516.463 square miles.
Checking a specific address in Liberty County
1,473 of Liberty County's 22,113 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Liberty County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Liberty County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.