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Natural hazards · Monmouth

Monmouth, ME natural hazards

Most of the natural-hazard damage FEMA expects in Monmouth comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1983. 8 federal disasters brought FEMA money into town.

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

How exposed is Monmouth?

21
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monmouth to be higher than in 21% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding46%Hurricanes22%Ice storms9%Everything else22%
By hazard

What Monmouth faces

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

Inland flooding

46% of expected damage
Well below average · higher than 16% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

22% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once every 8 years in the area

Ice storms

9% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Monmouth flood?

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

5paid claims since 1983
$12Kpaid to owners
0homes flooded more than once
19832026

Biggest named events

  • April 2007 Nor'easter: 1 claim, $1K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Monmouth isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kennebec County.
Disasters that hit Monmouth

8 federal disasters brought FEMA money here

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

Brought FEMA money into MonmouthDeclared for Kennebec County only
2023

Severe Storm and Flooding

12 households applied for aid $30K aid approved $40K to the Town of Monmouth for repairs
2017

Severe Storm and Flooding

$17K to the Town of Monmouth for repairs
2007

Severe Storms and Inland and Coastal Flooding

$17K to the Town of Monmouth for repairs
2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$31K to the Town of Monmouth for repairs
2005

Record And/Or Near Record Snow

$9K to the Town of Monmouth for repairs
2003

Severe Storms, Flooding, Snow Melt and Ice Jams

$18K to the Town of Monmouth for repairs
2003

Snow

$8K to the Town of Monmouth for repairs
1999

Hurricane Floyd Major Disaster Declarations

$3K to the Town of Monmouth for repairs
Kennebec County has had 22 natural disasters declared since 1953, most often severe storms and floods.
Around Monmouth

Monmouth and the towns around it

Winthrop: Very low, mostly inland floodingLeeds: Low, mostly inland floodingWales: Low, mostly inland floodingWayne: Very low, mostly inland floodingLitchfield: Low, mostly inland floodingWest Gardiner: Low, mostly inland floodingManchester: Very low, mostly inland floodingReadfield: Very low, mostly inland floodingTurner: Low, mostly inland floodingLivermore: Low, mostly inland floodingGreene: Low, mostly inland floodingSabattus: Low, mostly inland floodingLivermore Falls: Moderate, mostly inland floodingFayette: Very low, mostly inland floodingRichmond: Moderate, mostly inland floodingGardiner: Moderate, mostly inland floodingBowdoin: Moderate, mostly inland floodingFarmingdale: Moderate, mostly inland floodingMonmouth: Low, mostly inland flooding MonmouthWinthropLeedsWalesWayneLitchfieldWest Gardiner
Very lowLowModerateHighVery high
Leedsmostly inland floodingLow
West Gardinermostly inland floodingLow
Walesmostly inland floodingLow
Litchfieldmostly inland floodingLow
Monmouthmostly inland floodingLow
Winthropmostly inland floodingVery low
Waynemostly inland floodingVery low
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. Monmouth covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Monmouth’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Monmouth. 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 Monmouth total about $883K 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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