Liberty County
Florida — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 13th
Liberty County faces very low composite natural disaster risk (NRI Risk Index score 12.7, 13th national percentile), driven primarily by hurricane and lightning exposure. Expected annual loss across all 18 hazard types is $5M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Hurricane | Medium | 0.26 / yr | $2M |
| Lightning | Medium | 85.69 / yr | $493K |
| Wildfire | Low | 0.00 / yr | $140K |
| Coastal Flood | Very Low | 0.01 / yr | $3K |
| Cold Wave | Low | 1.47 / yr | $337K |
| Tornado | Low | 0.48 / yr | $399K |
| Heat Wave | Very Low | 6.74 / yr | $79K |
| Earthquake | Very Low | 0.00 / yr | $18K |
| Landslide | Very Low | 0.12 / yr | $55 |
| Drought | Very Low | 20.52 / yr | $139 |
| Riverine Flood | Very Low | 0.14 / yr | $1M |
| Strong Wind | Very Low | 1.23 / yr | $37K |
| Winter Weather | Very Low | 0.21 / yr | $2K |
| Hail | Very Low | 0.72 / yr | $4K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Ice Storm | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Liberty County?
Liberty County has a composite FEMA National Risk Index score of 12.7 out of 100, placing it in the Very Low category and the 13th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Liberty County?
The three highest-rated hazards are Hurricane (Medium, $2M EAL), Lightning (Medium, $493K EAL), Wildfire (Low, $140K EAL). These account for most of the county's expected annual losses.
How does Liberty County compare to other Florida counties?
Liberty County ranks #66 of 67 Florida counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Liberty County's $5M EAL is a statistical average, not a guarantee for any specific year or address.