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Natural hazards · Monroe

Monroe, ME natural hazards

Most of the natural-hazard damage FEMA expects in Monroe comes from inland flooding, and overall the risk is moderate for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is Monroe?

54
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monroe to be higher than in 54% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding46%Hurricanes20%Cold waves12%Winter weather7%Ice storms6%Everything else9%
By hazard

What Monroe 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
Above average · higher than 55% of U.S. places
Recorded about once a year in the area

Hurricanes

20% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 11 years in the area

Cold waves

12% of expected damage
Below average · higher than 49% of U.S. places
Recorded about 4 times a year in the area

Winter weather

7% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about 36 times a year in the area

Ice storms

6% of expected damage
Well above average · higher than 98% of U.S. places
Recorded about once a year in the area

Lower here

TornadoesHailHeat 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 Monroe flood?

FEMA's records show no paid flood insurance claims in Monroe.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Monroe isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Waldo County.
Disasters that hit Monroe

7 federal disasters brought FEMA money here

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

Brought FEMA money into MonroeDeclared for Waldo County only
2024

Severe Storms and Flooding

3 households applied for aid $39K aid approved $10K to the Town of Monroe for repairs
2023

Severe Storm and Flooding

$6K to the Town of Monroe for repairs
2021

Severe Storm and Flooding

$5K to the Town of Monroe for repairs
2008

Severe Storms and Flooding

$12K to the Town of Monroe for repairs
2007

Severe Storms and Inland and Coastal Flooding

$127K to the Town of Monroe for repairs
2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$20K to the Town of Monroe for repairs
2003

Severe Storms, Flooding, Snow Melt and Ice Jams

$12K to the Town of Monroe for repairs
Waldo County has had 22 natural disasters declared since 1953, most often severe storms and floods.
Around Monroe

Monroe and the towns around it

Frankfort: Low, mostly inland floodingSwanville: Moderate, mostly inland floodingBrooks: Moderate, mostly inland floodingWinterport: High, mostly inland floodingJackson: Moderate, mostly inland floodingProspect: Low, mostly inland floodingBucksport: Moderate, mostly inland floodingSearsport: Low, mostly inland floodingWaldo: Moderate, mostly inland floodingKnox: Moderate, mostly inland floodingOrrington: Low, mostly inland floodingHampden: Low, mostly inland floodingThorndike: Moderate, mostly inland floodingDixmont: Low, mostly inland floodingMonroe: Moderate, mostly inland flooding MonroeFrankfortSwanvilleBrooksWinterportJackson
Very lowLowModerateHighVery high
Winterportmostly inland floodingHigh
Monroemostly inland floodingModerate
Swanvillemostly inland floodingModerate
Brooksmostly inland floodingModerate
Jacksonmostly inland floodingModerate
Frankfortmostly 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. Monroe covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Monroe’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Monroe. 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 Monroe total about $1.8M 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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