Natural hazards · Oakland

Oakland, ME natural hazards

Most of the natural-hazard damage FEMA expects in Oakland comes from inland flooding, and overall the risk is low for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Oakland?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Oakland to be higher than in 24% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding53%Hurricanes18%Ice storms7%Everything else22%

By hazard

What Oakland faces

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

Inland flooding

53% of expected damage

Below average · higher than 27% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

18% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 9 years in the area

Ice storms

7% 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 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 Oakland flood?

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

of homes in flood zones
are insured

of all homes
are insured

No community discount. Oakland 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 Oakland

1 federal disaster brought FEMA money here

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

Brought FEMA money into OaklandDeclared for Kennebec County only

2023

Severe Storm and Flooding

41 households applied for aid $43K aid approved

Kennebec County has had 22 natural disasters declared since 1953, most often severe storms and floods.

Around Oakland

Oakland and the towns around it

Very lowLowModerateHighVery high

Watervillemostly inland floodingModerate

Smithfieldmostly inland floodingModerate

Belgrademostly inland floodingLow

Oaklandmostly inland floodingLow

Sidneymostly 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. Oakland covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Oakland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Oakland. 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 Oakland total about $1.4M 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.