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Natural hazards · Bath

Bath, ME natural hazards

Most of the natural-hazard damage FEMA expects in Bath comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 12 claims here since 1978. 8 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Bath?

48
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bath to be higher than in 48% of U.S. communities, mostly from inland flooding and coastal flooding.

Inland flooding38%Coastal flooding24%Hurricanes14%Ice storms9%Everything else15%
By hazard

What Bath faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

38% of expected damage
Well below average · higher than 23% of U.S. places
Recorded about once every 2 years in the area

Coastal flooding

24% of expected damage
Well above average · among the top 1% of U.S. places

Hurricanes

14% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 10 years in the area

Ice storms

9% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Bath flood?

Every paid claim on a federal flood insurance policy in Bath, from FEMA’s records.

12paid claims since 1978
$447Kpaid to owners
1homes flooded more than once
19782026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Bath isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sagadahoc County.
Disasters that hit Bath

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Bath itself: aid to households, or repair grants to the City of Bath.

Brought FEMA money into BathDeclared for Sagadahoc County only
2024

Severe Storms and Flooding

24 households applied for aid $106K aid approved
2017

Severe Storm and Flooding

$56K to the City of Bath for repairs
2015

Severe Winter Storm, Snowstorm, and Flooding

$39K to the City of Bath for repairs
2013

Severe Winter Storm, Snowstorm, and Flooding

$33K to the City of Bath for repairs
2010

Severe Winter Storm

$58K to the City of Bath for repairs
2008

Severe Winter Storm and Flooding

$115K to the City of Bath for repairs
2007

Severe Storms and Inland and Coastal Flooding

24 households applied for aid $5K aid approved $22K to the City of Bath for repairs
2001

Snow

$17K to the City of Bath for repairs
Sagadahoc County has had 20 natural disasters declared since 1953, most often severe storms and floods.
Around Bath

Bath and the towns around it

West Bath: Low, mostly coastal floodingWoolwich: Low, mostly inland floodingBrunswick: Very low, mostly inland floodingPhippsburg: Low, mostly coastal floodingTopsham: Low, mostly inland floodingArrowsic: Low, mostly inland floodingBowdoinham: Moderate, mostly inland floodingHarpswell: Low, mostly coastal floodingWiscasset: Moderate, mostly inland floodingWestport Island: Moderate, mostly inland floodingGeorgetown: Low, mostly inland floodingDresden: Moderate, mostly inland floodingFreeport: Very low, mostly inland floodingDurham: Low, mostly inland floodingLisbon: Low, mostly inland floodingBowdoin: Moderate, mostly inland floodingRichmond: Moderate, mostly inland floodingBath: Moderate, mostly inland flooding BathWest BathWoolwichBrunswickPhippsburgTopshamArrowsicBowdoinham
Very lowLowModerateHighVery high
Bathmostly inland floodingModerate
Bowdoinhammostly inland floodingModerate
Woolwichmostly inland floodingLow
Arrowsicmostly inland floodingLow
West Bathmostly coastal floodingLow
Phippsburgmostly coastal floodingLow
Topshammostly inland floodingLow
Brunswickmostly inland floodingVery low
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Bath covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Bath’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bath. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Bath total about $2.5M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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