Natural hazards · Hampden

Hampden, ME natural hazards

Most of the natural-hazard damage FEMA expects in Hampden comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2005.

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

Expected damage

How exposed is Hampden?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hampden to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding59%Hurricanes12%Winter weather7%Ice storms7%Everything else15%

By hazard

What Hampden 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

Below average · higher than 43% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

12% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 12 years in the area

Winter weather

7% of expected damage

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

Recorded about 24 times a year in the area

Ice storms

7% of expected damage

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

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Hampden flood?

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

1paid claims since 2005

$20Kpaid to owners

0homes flooded more than once

20052026

of all homes
are insured

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

Insurance rates: Penobscot County.

Disasters that hit Hampden

Federal disasters declared here

None of the disasters declared for Penobscot County shows FEMA aid or repair money reaching Hampden itself in FEMA’s records.

Brought FEMA money into HampdenDeclared for Penobscot County only

Penobscot County has had 19 natural disasters declared since 1953, most often floods and severe storms.

Around Hampden

Hampden and the towns around it

Very lowLowModerateHighVery high

Winterportmostly inland floodingHigh

Brewermostly inland floodingModerate

Hampdenmostly inland floodingLow

Bangormostly inland floodingLow

Orringtonmostly inland floodingLow

Newburghmostly inland floodingLow

Hermonmostly 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. Hampden covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hampden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hampden. 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 Hampden total about $2.0M 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.