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Natural hazards · Hartland

Hartland, ME natural hazards

Most of the natural-hazard damage FEMA expects in Hartland comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1984. 7 federal disasters brought FEMA money into town.

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

How exposed is Hartland?

52
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartland to be higher than in 52% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves28%Hurricanes13%Ice storms5%Everything else11%
By hazard

What Hartland faces

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

Inland flooding

43% of expected damage
Above average · higher than 60% of U.S. places
Recorded about 4 times a year in the area

Cold waves

28% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

13% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 11 years in the area

Ice storms

5% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Hartland flood?

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

3paid claims since 1984
$31Kpaid to owners
1homes flooded more than once
19842026

Homes that flooded again and again

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

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

7 federal disasters brought FEMA money here

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

Brought FEMA money into HartlandDeclared for Somerset County only
2023

Severe Storm and Flooding

5 households applied for aid $10K aid approved
2008

Severe Storms and Flooding

$12K to the Town of Hartland for repairs
2007

Severe Storms and Inland and Coastal Flooding

$19K to the Town of Hartland for repairs
2005

Snow

$2K to the Town of Hartland for repairs
2005

Record And/Or Near Record Snow

$3K to the Town of Hartland for repairs
2001

Snow

$2K to the Town of Hartland for repairs
2000

Severe Storms, Flooding, and Ice Jams

$7K to the Town of Hartland for repairs
Somerset County has had 25 natural disasters declared since 1953, most often severe storms and floods.
Around Hartland

Hartland and the towns around it

Athens: Moderate, mostly inland floodingSt. Albans: Low, mostly inland floodingCanaan: Moderate, mostly inland floodingPittsfield: Moderate, mostly inland floodingPalmyra: Low, mostly cold wavesCornville: Moderate, mostly inland floodingBrighton plantation: Moderate, mostly inland floodingSolon: High, mostly inland floodingHarmony: Moderate, mostly inland floodingCorinna: Low, mostly inland floodingRipley: Low, mostly inland floodingSkowhegan: Low, mostly inland floodingClinton: High, mostly inland floodingBurnham: Moderate, mostly inland floodingDetroit: Low, mostly cold wavesNewport: Low, mostly inland floodingMadison: Low, mostly cold wavesHartland: Moderate, mostly inland flooding HartlandAthensSt. AlbansCanaanPittsfieldPalmyraCornville
Very lowLowModerateHighVery high
Hartlandmostly inland floodingModerate
Pittsfieldmostly inland floodingModerate
Athensmostly inland floodingModerate
Canaanmostly inland floodingModerate
Cornvillemostly inland floodingModerate
St. Albansmostly inland floodingLow
Palmyramostly cold wavesLow
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. Hartland covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hartland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hartland. 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 Hartland total about $874K 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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