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Natural hazards · Blue Hill

Blue Hill, ME natural hazards

Most of the natural-hazard damage FEMA expects in Blue Hill comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2024. 9 federal disasters brought FEMA money into town.

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

How exposed is Blue Hill?

26
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Blue Hill to be higher than in 26% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding27%Hurricanes27%Cold waves13%Coastal flooding9%Ice storms7%Lightning5%Everything else12%
By hazard

What Blue Hill faces

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

Inland flooding

27% of expected damage
Well below average · higher than 5% of U.S. places
Recorded about once a year in the area

Hurricanes

27% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about once every 12 years in the area

Cold waves

13% of expected damage
Below average · higher than 45% of U.S. places
Recorded about 2 times a year in the area

Coastal flooding

9% of expected damage
Well above average · higher than 98% of U.S. places

Ice storms

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

Lightning

5% of expected damage
Below average · higher than 49% of U.S. places

Lower here

TornadoesHailHeat wavesWildfireEarthquakesLandslidesStrong windDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Blue Hill flood?

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

1paid claims since 2024
$13Kpaid to owners
0homes flooded more than once
20242026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Blue Hill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hancock County.
Disasters that hit Blue Hill

9 federal disasters brought FEMA money here

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

Brought FEMA money into Blue HillDeclared for Hancock County only
2024

Severe Storms and Flooding

12 households applied for aid $1K aid approved
2009

Severe Storms, Flooding, and Landslides

$19K to the Town of Blue Hill for repairs
2007

Severe Storms and Inland and Coastal Flooding

$13K to the Town of Blue Hill for repairs
2007

Flooding

$16K to the Town of Blue Hill for repairs
2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$136K to the Town of Blue Hill for repairs
2005

Record And/Or Near Record Snow

$7K to the Town of Blue Hill for repairs
2003

Snow

$9K to the Town of Blue Hill for repairs
2002

Severe Winter Cold and Frost

$820 to the Town of Blue Hill for repairs
2001

Snow

$6K to the Town of Blue Hill for repairs
Hancock County has had 19 natural disasters declared since 1953, most often severe storms and floods.
Around Blue Hill

Blue Hill and the towns around it

Surry: Low, mostly inland floodingSedgwick: Low, mostly hurricanesMount Desert: Low, mostly hurricanesTremont: Low, mostly hurricanesPenobscot: Very low, mostly hurricanesBrooklin: Low, mostly hurricanesEllsworth: Low, mostly inland floodingTrenton: Low, mostly hurricanesBrooksville: Low, mostly hurricanesDeer Isle: Low, mostly hurricanesBar Harbor: Low, mostly hurricanesCranberry Isles: Moderate, mostly hurricanesSouthwest Harbor: Moderate, mostly hurricanesFrenchboro: Low, mostly hurricanesCastine: Very low, mostly hurricanesStockton Springs: Low, mostly inland floodingOrland: Moderate, mostly inland floodingSwans Island: Low, mostly hurricanesBlue Hill: Low, mostly inland flooding Blue HillSurrySedgwickMount DesertTremontPenobscotBrooklin
Very lowLowModerateHighVery high
Mount Desertmostly hurricanesLow
Tremontmostly hurricanesLow
Blue Hillmostly inland floodingLow
Surrymostly inland floodingLow
Sedgwickmostly hurricanesLow
Brooklinmostly hurricanesLow
Penobscotmostly hurricanesVery 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. Blue Hill covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Blue Hill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Blue Hill. 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 Blue Hill total about $1.2M 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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