Water damage restoration · Liberty, Missouri
Water damage restoration in Liberty, MO
Burst pipe, failed water heater, or storm water? Liberty-area ZIPs: 37 flood claims since 1981[1]; 41% of homes built before 1980[2]. Request help from local restoration crews. Liberty, in Clay County — ZIP 64068, counts 31,319 residents (2025 estimate)[3].
Request helpIs this a water-damage emergency?
Answer a few questions for a plan for the next hour.
Liberty water damage snapshot: the key figures
- Population (2025 est.)
- 31,319[3]+3.9% since 2020
- County
- Clay[3]
- Land area
- 29.7 sq mi[4]
- Flood-insurance (NFIP) claims, local ZIPs
- 37 since 1981[1]$1,138,644 paid across 31 claims · ZIP 64068
- Flood & flash-flood reports within 10 mi
- 23[5]2016–2025 · latest May 24, 2022
- Winter-storm & freeze days, clay zone
- 15[5]2016–2025; hard freezes burst pipes
- Federal disaster declarations incl. flooding, Clay Co.
- 6[6]of 13 total declarations
- Homes built before 1980
- 41%[2]the 7th-highest share of the 14 Kansas City–area suburbs we cover
- Households renting
- 27%[2]2020–2024
What the local data means for water damage in Liberty
Liberty counts 31,319 residents (2025 estimate), growing at a middle-of-the-pack 3.9% since 2020[3]. On the map that's 29.7 square miles holding 1,056 residents per square mile, the 10th densest of the suburbs here; it sits entirely in Clay County, with ZIP code 64068[4].
Liberty mixes 8% of homes built since 2010 and 41% before 1980[2]: new supply lines and water heaters in one house, aging pipe and original valves in the next — so where a leak starts depends a lot on the address.
64068 is the city's single ZIP code[7].
Nearest of the other suburbs we track: Gladstone (7.7 mi W), Kearney (8.5 mi N) and Independence (11.4 mi S)[4].
37 flood-insurance claims have come from Liberty-area ZIP codes (64068) since 1981, and $1,138,644 has been paid on them (about $36,730 per paid claim)[1]. 1998 was the worst year, with 8 claims. That is the 5th-fewest of the 14 Kansas City–area suburbs we cover; for comparison, Gladstone (352), Kearney (3), and Independence (388). Most jobs here start inside the house. Of the 37 claims rated in a flood zone, 24 were in FEMA's high-risk areas (zones A or V) and 13 outside them (zones B, C or X)[1][8] — flooding here is not only a high-risk-zone problem.
By month of loss, Liberty-area flood claims cluster in May (7), June (11), and July (7) — 25 of 37 dated claims[1].
Within 10 miles of central Liberty, weather observers filed 23 flood, flash-flood or heavy-rain reports in 2016–2025 (14 flash floods)[5]. Countywide: 6 flood declarations since 2000, latest Severe Storms, Tornadoes, and Flooding (DR-4451, 2019)[6]. Nearby: Gladstone (43), Kearney (11), and Independence (15).
41% of Liberty's 12,085 housing units predate 1980[2] — the 7th-highest share of the 14 Kansas City–area suburbs we cover (Gladstone (64%), Kearney (17%), and Independence (70%)). Expect a mix of original and replaced plumbing.
Freeze days in the clay zone: 15 in 2016–2025, latest Feb 18, 2025[5]. Nearby: Gladstone (15), Kearney (15), and Independence (20).
73% of Liberty households own their home[2], so most claims and rebuilds here are coordinated by the owner.
How a leak spreads inside a wall
Give a leak time and it travels — outward across the floor, upward into drywall by capillary action.
Liberty storm calendar
Within 10 miles of Liberty, 2016–2025: 14 flash-flood reports and 9 flood reports[5]. Peak: 83% in May, July, and August. Busiest year 2017 (8); 5 of 10 years had none. Busiest month August 2017 (6). Latest: flood report, May 24, 2022, 7.8 mi out.
| Month | Flash flood | Flood | Heavy rain | All |
|---|---|---|---|---|
| Apr | 1 | – | – | 1 |
| May | 2 | 5 | – | 7 |
| Jun | – | 1 | – | 1 |
| Jul | 3 | – | – | 3 |
| Aug | 6 | 3 | – | 9 |
| Sep | 1 | – | – | 1 |
| Oct | 1 | – | – | 1 |
Finding water damage help around Liberty
Requests go to Water damage restoration contractors serving the Liberty area — ZIP code 64068.
Before you call: what a restoration crew does first
Shared walls and ceilings: Liberty homes by building type
With 72%[2] of homes detached, most Liberty water-damage jobs stay inside one house — the owner's policy and the owner's call.
After detached houses, the biggest group is 20–49 units: 605 of 12,085 housing units[2].
Liberty also has 498 mobile homes (4.1%); for a leak under one, ask for a crew that works on manufactured homes.
| Building type | Units | Share | Margin of error |
|---|---|---|---|
| Detached house | 8,753 | 72.4% | ±378 |
| Attached house (townhouse, rowhouse) | 409 | 3.4% | ±123 |
| Duplex (2 units) | 381 | 3.2% | ±156 |
| 3–4 units | 99 | 0.8% | ±89 |
| 5–9 units | 303 | 2.5% | ±115 |
| 10–19 units | 561 | 4.6% | ±196 |
| 20–49 units | 605 | 5.0% | ±194 |
| 50 or more units | 476 | 3.9% | ±178 |
| Mobile home | 498 | 4.1% | ±146 |
Margins of error are the Census Bureau’s 90% intervals; small categories in small cities are rough.
The Liberty numbers behind this page
| Measure | Liberty | Median of 14 | Difference |
|---|---|---|---|
| Flood reports (10 mi) | 23 | 15 | 8 more |
| NFIP flood claims (area ZIPs) | 37 | 49 | 12 fewer |
| Renter-occupied | 27% | 32% | 5 pts lower |
| Median home value | $283,300 | $247,300 | 15% higher |
| Owner-occupied | 73% | 68% | 5 pts higher |
| Built before 1980 | 41% | 40% | about the same |
| Median year built | 1986 | 1986 | same as median |
Biggest gaps first. Medians are middle values across the Kansas City–area suburbs we cover, drawn from the same sources.
| City | NFIP claims | Flood reports ≤10 mi | Freeze days | Built before 1980 | Renting |
|---|---|---|---|---|---|
| Liberty | 37 | 23 | 15 | 41% | 27% |
| Gladstone 7.7 mi | 352 | 43 | 15 | 64% | 32% |
| Kearney 8.5 mi | 3 | 11 | 15 | 17% | 25% |
| Independence 11.4 mi | 388 | 15 | 20 | 70% | 39% |
| Excelsior Springs 11.7 mi | 157 | 13 | 15 | 64% | 32% |
| Parkville 15.4 mi | 61 | 32 | 16 | 20% | 18% |
| ZIP | Claims | Paid | Busiest year | Outside high-risk zones |
|---|---|---|---|---|
| 64068 | 37 | $1,138,644 | 1998 (8) | 13 of 37 |
ZIPs extend past city limits. Outside high-risk zones: claims rated in zone B, C or X, of the claims that carry a zone.
| Year | Claims |
|---|---|
| 2019 | 2 |
| 2015 | 2 |
| 2012 | 1 |
| 2008 | 1 |
| 2007 | 4 |
| 2000 | 1 |
| 1999 | 2 |
| 1998 | 8 |
| 1993 | 7 |
| 1992 | 1 |
| 1985 | 2 |
| 1984 | 2 |
| Month | Claims |
|---|---|
| April | 1 |
| May | 7 |
| June | 11 |
| July | 7 |
| August | 4 |
| September | 1 |
| October | 5 |
| November | 1 |
| Date | Type | Distance |
|---|---|---|
| May 24, 2022 | Flood | 7.8 mi |
| Sep 27, 2019 | Flash Flood | 8.5 mi |
| Jun 1, 2019 | Flood | 10.0 mi |
| May 24, 2019 | Flash Flood | 8.0 mi |
| May 21, 2019 | Flood | 9.8 mi |
| May 1, 2019 | Flood | 10.0 mi |
| May 1, 2019 | Flood | 9.7 mi |
| Oct 8, 2018 | Flash Flood | 8.8 mi |
| ZIP (ZCTA) | Share of Liberty's land | Share of the ZIP inside the city |
|---|---|---|
| 64068 | 100% | 34% |
water damage questions from Liberty homeowners
Do I need flood insurance in Liberty?
Homeowners policies exclude outside floodwater[9], and Liberty-area ZIPs have 2 NFIP claims in just the last ten years[1].
Which Liberty ZIP codes do these crews cover?
64068[7], in Clay County. Nearby pages: Gladstone (7.7 mi), Kearney (8.5 mi), and Independence (11.4 mi)[4].
When was the last flood report near Liberty?
May 24, 2022: a flood report 7.8 miles from the city center[5].
Sources
- OpenFEMA NFIP claims
- Census ACS 2020–2024 5-year (keyless bulk)
- Census population estimates, Vintage 2025
- Census Gazetteer 2025
- NOAA Storm Events Database
- OpenFEMA disaster declarations
- Census 2020 ZCTA–place file
- FEMA, Flood Zones (link unverified)
- FEMA FloodSmart (link unverified)
Data pulled Sep 28, 2026. Full citations and method.