Natural hazards · Caratunk

Caratunk, ME natural hazards

Most of the natural-hazard damage FEMA expects in Caratunk comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 2005. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Caratunk?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Caratunk to be higher than in 65% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding53%Cold waves28%Hurricanes12%Everything else7%

By hazard

What Caratunk faces

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

Inland flooding

53% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about 4 times a year in the area

Cold waves

28% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 8 times a year in the area

Hurricanes

12% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 14 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Caratunk flood?

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

1paid claims since 2005

$3Kpaid to owners

0homes flooded more than once

20052026

of all homes
are insured

No community discount. Caratunk isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Somerset County.

Disasters that hit Caratunk

1 federal disaster brought FEMA money here

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

Brought FEMA money into CaratunkDeclared for Somerset County only

2023

Severe Storm and Flooding

5 households applied for aid $5K aid approved

Somerset County has had 25 natural disasters declared since 1953, most often severe storms and floods.

Around Caratunk

Caratunk and the towns around it

Very lowLowModerateHighVery high

Caratunkmostly inland floodingHigh

Moscowmostly inland floodingHigh

The Forks plantationmostly inland floodingHigh

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. Caratunk is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Caratunk’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Caratunk. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.