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Natural hazards · Fryeburg

Fryeburg, ME natural hazards

Most of the natural-hazard damage FEMA expects in Fryeburg comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 51 claims here since 1979. 11 federal disasters brought FEMA money into town.

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

How exposed is Fryeburg?

56
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fryeburg to be higher than in 56% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding59%Hurricanes17%Cold waves8%Everything else16%
By hazard

What Fryeburg faces

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

Inland flooding

59% of expected damage
Above average · higher than 64% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

17% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 11 years in the area

Cold waves

8% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 3 times a year 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 Fryeburg flood?

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

51paid claims since 1979
$797Kpaid to owners
6homes flooded more than once
19792026

Biggest named events

  • December Nor'easter: 2 claims, $57K

Homes that flooded again and again

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

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

11 federal disasters brought FEMA money here

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

Brought FEMA money into FryeburgDeclared for Oxford County only
2023

Severe Storm and Flooding

5 households applied for aid $900 aid approved
2022

Severe Storm and Flooding

$5K to the Town of Fryeburg for repairs
2007

Severe Storms and Inland and Coastal Flooding

7 households applied for aid $2K aid approved $36K to the Town of Fryeburg for repairs
2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$5K to the Town of Fryeburg for repairs
2005

Record Snow

$7K to the Town of Fryeburg for repairs
2005

Snow

$8K to the Town of Fryeburg for repairs
2005

Record And/Or Near Record Snow

$9K to the Town of Fryeburg for repairs
2003

Snow

$8K to the Town of Fryeburg for repairs
2001

Severe Winter Storms and Flooding

$4K to the Town of Fryeburg for repairs
2001

Snow

$18K to the Town of Fryeburg for repairs
1999

Hurricane Floyd Major Disaster Declarations

$2K to the Town of Fryeburg for repairs
Oxford County has had 33 natural disasters declared since 1953, most often severe storms and floods.
Around Fryeburg

Fryeburg and the towns around it

Bridgton: Very low, mostly inland floodingConway: High, mostly inland floodingDenmark: Moderate, mostly inland floodingBrownfield: Moderate, mostly inland floodingStow: Moderate, mostly inland floodingSweden: Moderate, mostly inland floodingChatham: High, mostly inland floodingHarrison: Low, mostly inland floodingNaples: Very low, mostly inland floodingWaterford: Moderate, mostly inland floodingMadison: High, mostly inland floodingBartlett: Very high, mostly inland floodingEaton: High, mostly inland floodingAlbany: High, mostly inland floodingSebago: Low, mostly inland floodingHiram: Moderate, mostly inland floodingPorter: Moderate, mostly inland floodingLovell: Moderate, mostly inland floodingStoneham: Moderate, mostly inland floodingJackson: Very high, mostly inland floodingFryeburg: Moderate, mostly inland flooding FryeburgBridgtonConwayDenmarkBrownfieldStowSwedenChatham
Very lowLowModerateHighVery high
Conwaymostly inland floodingHigh
Chathammostly inland floodingHigh
Fryeburgmostly inland floodingModerate
Denmarkmostly inland floodingModerate
Brownfieldmostly inland floodingModerate
Stowmostly inland floodingModerate
Swedenmostly inland floodingModerate
Bridgtonmostly 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. Fryeburg covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Fryeburg’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Fryeburg. 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 Fryeburg total about $1.4M 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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