Natural hazards · Lamoine

Lamoine, ME natural hazards

Most of the natural-hazard damage FEMA expects in Lamoine comes from hurricanes, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 2021. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lamoine?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lamoine to be higher than in 31% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes36%Inland flooding19%Coastal flooding14%Cold waves11%Ice storms7%Everything else14%

By hazard

What Lamoine faces

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

Hurricanes

36% of expected damage

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

Recorded about once every 9 years in the area

Inland flooding

19% of expected damage

Well below average · higher than 2% of U.S. places

Recorded about once a year in the area

Coastal flooding

14% of expected damage

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

Cold waves

11% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 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

TornadoesHailWinter weatherHeat 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 Lamoine flood?

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

3paid claims since 2021

$88Kpaid to owners

0homes flooded more than once

20212026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hancock County.

Disasters that hit Lamoine

5 federal disasters brought FEMA money here

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

Brought FEMA money into LamoineDeclared for Hancock County only

2024

Severe Storms and Flooding

10 households applied for aid $2K aid approved $7K to the Town of Lamoine for repairs

2023

Severe Storm and Flooding

$18K to the Town of Lamoine for repairs

2009

Severe Storms, Flooding, and Landslides

$11K to the Town of Lamoine for repairs

2007

Flooding

$30K to the Town of Lamoine for repairs

2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$7K to the Town of Lamoine for repairs

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

Around Lamoine

Lamoine and the towns around it

Very lowLowModerateHighVery high

Lamoinemostly hurricanesLow

Trentonmostly hurricanesLow

Hancockmostly hurricanesLow

Bar Harbormostly hurricanesLow

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. Lamoine covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lamoine’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Lamoine. 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 Lamoine total about $1.7M 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.