Natural hazards · Chebeague Island

Chebeague Island, ME natural hazards

Most of the natural-hazard damage FEMA expects in Chebeague Island comes from inland flooding, and overall the risk is very low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Chebeague Island?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chebeague Island to be higher than in 18% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding38%Hurricanes26%Ice storms10%Winter weather6%Everything else21%

By hazard

What Chebeague Island 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 7% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

26% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 8 years in the area

Ice storms

10% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 2 times a year in the area

Winter weather

6% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 36 times a year in the area

Lower here

Coastal floodingTornadoesHailCold 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 Chebeague Island flood?

FEMA's records show no paid flood insurance claims in Chebeague Island.

of all homes
are insured

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

Insurance rates: Cumberland County.

Disasters that hit Chebeague Island

5 federal disasters brought FEMA money here

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

Brought FEMA money into Chebeague IslandDeclared for Cumberland County only

2024

Severe Storms and Flooding

7 households applied for aid $600 aid approved $1.2M to the Town of Chebeague Island for repairs

2015

Severe Winter Storm, Snowstorm, and Flooding

$4K to the Town of Chebeague Island for repairs

2010

Severe Winter Storm

$171K to the Town of Chebeague Island for repairs

2008

Severe Winter Storm and Flooding

$19K to the Town of Chebeague Island for repairs

2007

Severe Storms and Inland and Coastal Flooding

8 households applied for aid $767 aid approved

Cumberland County has had 33 natural disasters declared since 1953, most often severe storms and floods.

Around Chebeague Island

Chebeague Island and the towns around it

Very lowLowModerateHighVery high

Yarmouthmostly inland floodingLow

Harpswellmostly coastal floodingLow

Cumberlandmostly inland floodingLow

Chebeague Islandmostly inland floodingVery low

Portlandmostly inland floodingVery low

Freeportmostly 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. Chebeague Island covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Chebeague Island’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Chebeague Island. 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 Chebeague Island 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.