Natural hazards · Gray

Gray, ME natural hazards

Most of the natural-hazard damage FEMA expects in Gray comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 5 claims here since 1978. 14 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Gray?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gray to be higher than in 19% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding42%Hurricanes25%Ice storms7%Everything else25%

By hazard

What Gray faces

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

Inland flooding

42% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

25% of expected damage

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

Recorded about once every 8 years in the area

Ice storms

7% of expected damage

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

Recorded about 2 times a year in the area

Lower here

TornadoesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Gray flood?

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

5paid claims since 1978

$21Kpaid to owners

1homes flooded more than once

19782026

Biggest named events

April 2007 Nor'easter: 1 claim, $12K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

No community discount. Gray 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 Gray

14 federal disasters brought FEMA money here

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

Brought FEMA money into GrayDeclared for Cumberland County only

2024

Severe Winter Storm

$55K to the Town of Gray for repairs

2024

Severe Storms and Flooding

11 households applied for aid $39K aid approved

2017

Severe Storm and Flooding

$11K to the Town of Gray for repairs

2015

Severe Winter Storm, Snowstorm, and Flooding

$29K to the Town of Gray for repairs

2013

Severe Winter Storm, Snowstorm, and Flooding

$30K to the Town of Gray for repairs

2010

Severe Winter Storm

$32K to the Town of Gray for repairs

2008

Severe Winter Storm and Flooding

$96K to the Town of Gray for repairs

2007

Severe Storms and Inland and Coastal Flooding

28 households applied for aid $26K aid approved $129K to the Town of Gray for repairs

2005

Record Snow

$24K to the Town of Gray for repairs

2005

Snow

$24K to the Town of Gray for repairs

2005

Record And/Or Near Record Snow

$41K to the Town of Gray for repairs

2003

Snow

$17K to the Town of Gray for repairs

2001

Snow

$30K to the Town of Gray for repairs

1999

Hurricane Floyd Major Disaster Declarations

$9K to the Town of Gray for repairs

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

Around Gray

Gray and the towns around it

Very lowLowModerateHighVery high

Cumberlandmostly inland floodingLow

North Yarmouthmostly inland floodingLow

Windhammostly inland floodingLow

Raymondmostly inland floodingLow

Graymostly inland floodingVery low

New Gloucestermostly 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. Gray covers 2 census tracts, combined by population.

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