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Natural hazards · Hiram

Hiram, ME natural hazards

Most of the natural-hazard damage FEMA expects in Hiram comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1987. 10 federal disasters brought FEMA money into town.

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

How exposed is Hiram?

57
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hiram to be higher than in 57% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding54%Hurricanes16%Cold waves9%Ice storms9%Everything else12%
By hazard

What Hiram faces

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

Inland flooding

54% of expected damage
Above average · higher than 62% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

16% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 11 years in the area

Cold waves

9% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 3 times a year in the area

Ice storms

9% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about 2 times a year in the area

Lower here

TornadoesHailWinter 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 Hiram flood?

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

3paid claims since 1987
$32Kpaid to owners
0homes flooded more than once
19872026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Hiram 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 Hiram

10 federal disasters brought FEMA money here

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

Brought FEMA money into HiramDeclared for Oxford County only
2023

Severe Storm and Flooding

4 households applied for aid $8K aid approved $55K to the Town of Hiram for repairs
2022

Severe Storm and Flooding

$36K to the Town of Hiram for repairs
2007

Severe Storms and Inland and Coastal Flooding

10 households applied for aid $9K aid approved $277K to the Town of Hiram for repairs
2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$19K to the Town of Hiram for repairs
2005

Snow

$953 to the Town of Hiram for repairs
2005

Record And/Or Near Record Snow

$2K to the Town of Hiram for repairs
2003

Severe Storms, Flooding, Snow Melt and Ice Jams

$194K to the Town of Hiram for repairs
2001

Severe Winter Storms and Flooding

$4K to the Town of Hiram for repairs
2001

Snow

$3K to the Town of Hiram for repairs
2000

Severe Storms, Flooding, and Ice Jams

$15K to the Town of Hiram for repairs
Oxford County has had 33 natural disasters declared since 1953, most often severe storms and floods.
Around Hiram

Hiram and the towns around it

Cornish: Moderate, mostly inland floodingBaldwin: Low, mostly inland floodingSebago: Low, mostly inland floodingParsonsfield: Moderate, mostly inland floodingPorter: Moderate, mostly inland floodingBrownfield: Moderate, mostly inland floodingDenmark: Moderate, mostly inland floodingLimington: Low, mostly inland floodingLimerick: Very low, mostly inland floodingStandish: Low, mostly inland floodingNaples: Very low, mostly inland floodingCasco: Low, mostly inland floodingRaymond: Low, mostly inland floodingEffingham: High, mostly inland floodingNewfield: Low, mostly inland floodingFreedom: High, mostly inland floodingFryeburg: Moderate, mostly inland floodingConway: High, mostly inland floodingEaton: High, mostly inland floodingBridgton: Very low, mostly inland floodingHiram: Moderate, mostly inland flooding HiramCornishBaldwinSebagoParsonsfieldPorterBrownfieldDenmark
Very lowLowModerateHighVery high
Hirammostly inland floodingModerate
Portermostly inland floodingModerate
Brownfieldmostly inland floodingModerate
Denmarkmostly inland floodingModerate
Cornishmostly inland floodingModerate
Parsonsfieldmostly inland floodingModerate
Baldwinmostly inland floodingLow
Sebagomostly 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. Hiram covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hiram’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hiram. 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 Hiram total about $1.2M 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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