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Natural hazards · Lubec

Lubec, ME natural hazards

Most of the natural-hazard damage FEMA expects in Lubec comes from hurricanes, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2016. 9 federal disasters brought FEMA money into town.

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

How exposed is Lubec?

38
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lubec to be higher than in 38% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes35%Inland flooding23%Coastal flooding14%Ice storms10%Cold waves8%Everything else11%
By hazard

What Lubec faces

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

Hurricanes

35% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once every 9 years in the area

Inland flooding

23% of expected damage
Well below average · higher than 4% 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

Ice storms

10% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Cold waves

8% of expected damage
Below average · higher than 42% of U.S. places
Recorded about 2 times 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 Lubec flood?

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

2paid claims since 2016
$23Kpaid to owners
0homes flooded more than once
20162026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Lubec isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Washington County.
Disasters that hit Lubec

9 federal disasters brought FEMA money here

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

Brought FEMA money into LubecDeclared for Washington County only
2024

Severe Storms and Flooding

26 households applied for aid $34K aid approved $436K to the Town of Lubec for repairs
2023

Severe Storm and Flooding

$22K to the Town of Lubec for repairs
2013

Severe Winter Storm, Snowstorm, and Flooding

$7K to the Town of Lubec for repairs
2010

Severe Storms and Flooding

$30K to the Town of Lubec for repairs
2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$74K to the Town of Lubec for repairs
2005

Record And/Or Near Record Snow

$5K to the Town of Lubec for repairs
2001

Severe Winter Storms and Flooding

$25K to the Town of Lubec for repairs
2001

Snow

$3K to the Town of Lubec for repairs
2000

Severe Storms, Flooding, and Ice Jams

$1K to the Town of Lubec for repairs
Washington County has had 21 natural disasters declared since 1953, most often severe storms and winter storms.
Around Lubec

Lubec and the towns around it

Eastport: Moderate, mostly coastal floodingPembroke: Moderate, mostly inland floodingPerry: Low, mostly hurricanesDennysville: Moderate, mostly inland floodingCharlotte: Moderate, mostly inland floodingRobbinston: Low, mostly hurricanesLubec: Low, mostly hurricanes LubecEastportPembrokePerry
Very lowLowModerateHighVery high
Pembrokemostly inland floodingModerate
Eastportmostly coastal floodingModerate
Lubecmostly hurricanesLow
Perrymostly 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. Lubec is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Lubec’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Lubec. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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