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Natural hazards · Lovell

Lovell, ME natural hazards

Most of the natural-hazard damage FEMA expects in Lovell comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 14 claims here since 1987. 9 federal disasters brought FEMA money into town.

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

How exposed is Lovell?

45
Moderate
vs. U.S. communities

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

Inland flooding58%Hurricanes19%Cold waves8%Ice storms5%Everything else10%
By hazard

What Lovell faces

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

Inland flooding

58% of expected damage
Above average · higher than 51% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

19% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 11 years in the area

Cold waves

8% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 3 times a year in the area

Ice storms

5% 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 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 Lovell flood?

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

14paid claims since 1987
$214Kpaid to owners
0homes flooded more than once
19872026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Lovell 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 Lovell

9 federal disasters brought FEMA money here

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

Brought FEMA money into LovellDeclared for Oxford County only
2023

Severe Storm and Flooding

2 households applied for aid $167K to the Town of Lovell for repairs
2011

Tropical Storm Irene

$955 to the Town of Lovell for repairs
2007

Severe Storms and Inland and Coastal Flooding

2 households applied for aid $2K aid approved $23K to the Town of Lovell for repairs
2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$19K to the Town of Lovell for repairs
2005

Record Snow

$4K to the Town of Lovell for repairs
2005

Snow

$6K to the Town of Lovell for repairs
2005

Record And/Or Near Record Snow

$6K to the Town of Lovell for repairs
2001

Snow

$8K to the Town of Lovell for repairs
2000

Severe Storms, Flooding, and Ice Jams

$3K to the Town of Lovell for repairs
Oxford County has had 33 natural disasters declared since 1953, most often severe storms and floods.
Around Lovell

Lovell and the towns around it

Stow: Moderate, mostly inland floodingSweden: Moderate, mostly inland floodingStoneham: Moderate, mostly inland floodingWaterford: Moderate, mostly inland floodingChatham: High, mostly inland floodingFryeburg: Moderate, mostly inland floodingBridgton: Very low, mostly inland floodingNorway: Low, mostly inland floodingHarrison: Low, mostly inland floodingLovell: Moderate, mostly inland flooding LovellStowSwedenStonehamWaterford
Very lowLowModerateHighVery high
Stowmostly inland floodingModerate
Stonehammostly inland floodingModerate
Lovellmostly inland floodingModerate
Swedenmostly inland floodingModerate
Waterfordmostly inland floodingModerate
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. Lovell covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Lovell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lovell. 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 Lovell 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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