Liberty County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Liberty County scores at the 69th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.5 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Liberty County
Out of 3,601 homes FEMA counts inside Liberty County's mapped flood zone, 692 carry the flood policy federal law requires there — 19.2% compliance, short of full coverage. Looking beyond the mandated zone, 5.9% 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.
How Liberty County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Liberty County ranks 1015 — 1 being the highest hazard nationally — and 553 by population among all 3144 counties covered here, where 1 is the largest. Liberty County, Texas covers 1,158.482 square miles and counts roughly 115,042 residents.
Checking a specific address in Liberty County
1,918 of Liberty County's 32,538 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. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.