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Natural hazards · Naples

Naples, ME natural hazards

Most of the natural-hazard damage FEMA expects in Naples comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 18 claims here since 1978. 9 federal disasters brought FEMA money into town.

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

How exposed is Naples?

19
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Naples to be higher than in 19% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding52%Hurricanes19%Ice storms5%Everything else24%
By hazard

What Naples faces

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

Inland flooding

52% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

19% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 10 years in the area

Ice storms

5% of expected damage
Well above average · higher than 95% 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 Naples flood?

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

18paid claims since 1978
$88Kpaid to owners
1homes flooded more than once
19782026

Biggest named events

  • April 2007 Nor'easter: 1 claim, $750

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

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

9 federal disasters brought FEMA money here

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

Brought FEMA money into NaplesDeclared for Cumberland County only
2024

Severe Winter Storm

$23K to the Town of Naples for repairs
2024

Severe Storms and Flooding

10 households applied for aid $30K aid approved
2013

Severe Winter Storm, Snowstorm, and Flooding

$13K to the Town of Naples for repairs
2010

Severe Winter Storm

$10K to the Town of Naples for repairs
2008

Severe Winter Storm and Flooding

$18K to the Town of Naples for repairs
2007

Severe Storms and Inland and Coastal Flooding

11 households applied for aid $16K aid approved $190K to the Town of Naples for repairs
2005

Record Snow

$5K to the Town of Naples for repairs
2005

Snow

$7K to the Town of Naples for repairs
2005

Record And/Or Near Record Snow

$10K to the Town of Naples for repairs
Cumberland County has had 33 natural disasters declared since 1953, most often severe storms and floods.
Around Naples

Naples and the towns around it

Casco: Low, mostly inland floodingOtisfield: Low, mostly inland floodingSebago: Low, mostly inland floodingBridgton: Very low, mostly inland floodingHarrison: Low, mostly inland floodingRaymond: Low, mostly inland floodingPoland: Low, mostly inland floodingOxford: Low, mostly inland floodingNorway: Low, mostly inland floodingBaldwin: Low, mostly inland floodingHiram: Moderate, mostly inland floodingStandish: Low, mostly inland floodingDenmark: Moderate, mostly inland floodingFryeburg: Moderate, mostly inland floodingWaterford: Moderate, mostly inland floodingSweden: Moderate, mostly inland floodingNaples: Very low, mostly inland flooding NaplesCascoOtisfieldSebagoBridgtonHarrison
Very lowLowModerateHighVery high
Otisfieldmostly inland floodingLow
Cascomostly inland floodingLow
Harrisonmostly inland floodingLow
Sebagomostly inland floodingLow
Naplesmostly inland floodingVery low
Bridgtonmostly 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. Naples covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Naples’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Naples. 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 Naples total about $691K 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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