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Natural hazards · Georgetown

Georgetown, ME natural hazards

Most of the natural-hazard damage FEMA expects in Georgetown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 9 claims here since 1980. 6 federal disasters brought FEMA money into town.

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

How exposed is Georgetown?

36
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgetown to be higher than in 36% of U.S. communities, mostly from inland flooding and coastal flooding.

Inland flooding34%Coastal flooding26%Hurricanes17%Ice storms10%Everything else12%
By hazard

What Georgetown faces

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

Inland flooding

34% of expected damage
Well below average · higher than 9% of U.S. places
Recorded about once every 2 years in the area

Coastal flooding

26% of expected damage
Well above average · among the top 1% of U.S. places

Hurricanes

17% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 10 years in the area

Ice storms

10% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherCold 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 Georgetown flood?

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

9paid claims since 1980
$399Kpaid to owners
0homes flooded more than once
19802026

Biggest named events

  • April 2007 Nor'easter: 1 claim, $753
  • The “Halloween” storm: 1 claim, $3K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Georgetown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sagadahoc County.
Disasters that hit Georgetown

6 federal disasters brought FEMA money here

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

Brought FEMA money into GeorgetownDeclared for Sagadahoc County only
2024

Severe Storms and Flooding

25 households applied for aid $73K aid approved $34K to the Town of Georgetown for repairs
2023

Severe Storm and Flooding

$80K to the Town of Georgetown for repairs
2017

Severe Storm and Flooding

$27K to the Town of Georgetown for repairs
2010

Severe Winter Storm

$18K to the Town of Georgetown for repairs
2008

Severe Winter Storm and Flooding

$2K to the Town of Georgetown for repairs
2007

Severe Storms and Inland and Coastal Flooding

5 households applied for aid $1K aid approved $45K to the Town of Georgetown for repairs
Sagadahoc County has had 20 natural disasters declared since 1953, most often severe storms and floods.
Around Georgetown

Georgetown and the towns around it

Arrowsic: Low, mostly inland floodingWestport Island: Moderate, mostly inland floodingPhippsburg: Low, mostly coastal floodingSouthport: Moderate, mostly hurricanesWoolwich: Low, mostly inland floodingBath: Moderate, mostly inland floodingEdgecomb: Moderate, mostly inland floodingWiscasset: Moderate, mostly inland floodingBoothbay: Low, mostly hurricanesBoothbay Harbor: Moderate, mostly hurricanesWest Bath: Low, mostly coastal floodingHarpswell: Low, mostly coastal floodingBowdoinham: Moderate, mostly inland floodingDresden: Moderate, mostly inland floodingGeorgetown: Low, mostly inland flooding GeorgetownArrowsicWestport IslandPhippsburgSouthportWoolwich
Very lowLowModerateHighVery high
Westport Islandmostly inland floodingModerate
Southportmostly hurricanesModerate
Georgetownmostly inland floodingLow
Arrowsicmostly inland floodingLow
Woolwichmostly inland floodingLow
Phippsburgmostly coastal floodingLow
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. Georgetown 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 Georgetown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Georgetown. 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.

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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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