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Natural hazards · Belgrade

Belgrade, ME natural hazards

Most of the natural-hazard damage FEMA expects in Belgrade comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1984. 5 federal disasters brought FEMA money into town.

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

How exposed is Belgrade?

31
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Belgrade to be higher than in 31% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding61%Hurricanes18%Ice storms7%Everything else15%
By hazard

What Belgrade faces

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

Inland flooding

61% of expected damage
Below average · higher than 39% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

18% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 9 years in the area

Ice storms

7% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Belgrade flood?

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

1paid claims since 1984
$882paid to owners
0homes flooded more than once
19842026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Belgrade isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kennebec County.
Disasters that hit Belgrade

5 federal disasters brought FEMA money here

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

Brought FEMA money into BelgradeDeclared for Kennebec County only
2023

Severe Storm and Flooding

11 households applied for aid $3K aid approved
2017

Severe Storm and Flooding

$9K to the Town of Belgrade for repairs
2007

Severe Storms and Inland and Coastal Flooding

$926 to the Town of Belgrade for repairs
2005

Record And/Or Near Record Snow

$6K to the Town of Belgrade for repairs
2003

Snow

$5K to the Town of Belgrade for repairs
Kennebec County has had 22 natural disasters declared since 1953, most often severe storms and floods.
Around Belgrade

Belgrade and the towns around it

Rome: Low, mostly inland floodingMount Vernon: Low, mostly inland floodingOakland: Low, mostly inland floodingSidney: Low, mostly inland floodingSmithfield: Moderate, mostly inland floodingManchester: Very low, mostly inland floodingReadfield: Very low, mostly inland floodingVienna: Low, mostly inland floodingMercer: Moderate, mostly inland floodingNew Sharon: High, mostly inland floodingFayette: Very low, mostly inland floodingChesterville: High, mostly inland floodingWaterville: Moderate, mostly inland floodingVassalboro: Moderate, mostly inland floodingAugusta: Moderate, mostly inland floodingNorridgewock: Moderate, mostly inland floodingFairfield: Moderate, mostly cold wavesFarmingdale: Moderate, mostly inland floodingHallowell: Very high, mostly inland floodingWinthrop: Very low, mostly inland floodingWest Gardiner: Low, mostly inland floodingWayne: Very low, mostly inland floodingBelgrade: Low, mostly inland flooding BelgradeRomeMount VernonOaklandSidneySmithfieldManchesterReadfield
Very lowLowModerateHighVery high
Smithfieldmostly inland floodingModerate
Romemostly inland floodingLow
Mount Vernonmostly inland floodingLow
Belgrademostly inland floodingLow
Oaklandmostly inland floodingLow
Sidneymostly inland floodingLow
Manchestermostly inland floodingVery low
Readfieldmostly 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. Belgrade covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Belgrade’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Belgrade. 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 Belgrade total about $1.1M 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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