Natural hazards · Jefferson

Jefferson, ME natural hazards

Most of the natural-hazard damage FEMA expects in Jefferson comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2023. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Jefferson?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Jefferson to be higher than in 45% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding41%Hurricanes30%Ice storms9%Everything else21%

By hazard

What Jefferson faces

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

Inland flooding

41% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once every 2 years in the area

Hurricanes

30% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 9 years in the area

Ice storms

9% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once 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 Jefferson flood?

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

1paid claims since 2023

$21Kpaid to owners

0homes flooded more than once

20232026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lincoln County.

Disasters that hit Jefferson

9 federal disasters brought FEMA money here

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

Brought FEMA money into JeffersonDeclared for Lincoln County only

2024

Severe Storms and Flooding

5 households applied for aid $3K aid approved

2017

Severe Storm and Flooding

$4K to the Town of Jefferson for repairs

2011

Tropical Storm Irene

$2K to the Town of Jefferson for repairs

2009

Severe Storms, Flooding, and Landslides

$25K to the Town of Jefferson for repairs

2008

Severe Winter Storm and Flooding

$11K to the Town of Jefferson for repairs

2008

Severe Storms and Flooding

$11K to the Town of Jefferson for repairs

2007

Severe Storms and Inland and Coastal Flooding

5 households applied for aid $636 aid approved $9K to the Town of Jefferson for repairs

2007

Flooding

$4K to the Town of Jefferson for repairs

2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$10K to the Town of Jefferson for repairs

Lincoln County has had 25 natural disasters declared since 1953, most often floods and severe storms.

Around Jefferson

Jefferson and the towns around it

Very lowLowModerateHighVery high

Jeffersonmostly inland floodingModerate

Somervillemostly inland floodingModerate

Whitefieldmostly inland floodingModerate

Alnamostly inland floodingModerate

Newcastlemostly inland floodingModerate

Washingtonmostly inland floodingLow

Nobleboromostly inland floodingLow

Waldoboromostly inland floodingLow

Windsormostly 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. Jefferson covers 1 census tract, combined by population.

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