Natural hazards · Hartford

Hartford, ME natural hazards

Most of the natural-hazard damage FEMA expects in Hartford comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 4 claims here since 1987. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hartford?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartford to be higher than in 49% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding56%Hurricanes17%Cold waves12%Everything else16%

By hazard

What Hartford faces

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

Inland flooding

56% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

17% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 10 years in the area

Cold waves

12% 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 Hartford flood?

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

4paid claims since 1987

$36Kpaid to owners

0homes flooded more than once

19872026

Biggest named events

December Nor'easter: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hartford 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 Hartford

6 federal disasters brought FEMA money here

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

Brought FEMA money into HartfordDeclared for Oxford County only

2023

Severe Storm and Flooding

4 households applied for aid $4K aid approved $1.1M to the Town of Hartford for repairs

2022

Severe Storm and Flooding

$3K to the Town of Hartford for repairs

2007

Severe Storms and Inland and Coastal Flooding

4 households applied for aid $5K aid approved $32K to the Town of Hartford for repairs

2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$12K to the Town of Hartford for repairs

2003

Severe Storms, Flooding, Snow Melt and Ice Jams

$20K to the Town of Hartford for repairs

2000

Severe Storms, Flooding, and Ice Jams

$8K to the Town of Hartford for repairs

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

Around Hartford

Hartford and the towns around it

Very lowLowModerateHighVery high

Cantonmostly inland floodingModerate

Buckfieldmostly inland floodingModerate

Hartfordmostly inland floodingModerate

Sumnermostly inland floodingModerate

Perumostly inland floodingModerate

Livermoremostly inland 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. Hartford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hartford’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Hartford. 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 Hartford total about $1.0M 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.