TownTapestry
Sign inJoin
OtisfieldGood night
Natural hazards · Otisfield

Otisfield, ME natural hazards

Most of the natural-hazard damage FEMA expects in Otisfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1984. 12 federal disasters brought FEMA money into town.

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

How exposed is Otisfield?

32
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Otisfield to be higher than in 32% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding44%Hurricanes24%Cold waves12%Ice storms7%Everything else14%
By hazard

What Otisfield faces

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

Inland flooding

44% of expected damage
Well below average · higher than 24% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

24% of expected damage
Well above average · higher than 86% of U.S. places
Recorded about once every 10 years in the area

Cold waves

12% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 3 times a year 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 weatherHeat 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 Otisfield flood?

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

3paid claims since 1984
$24Kpaid to owners
0homes flooded more than once
19842026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Otisfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Oxford County.
Disasters that hit Otisfield

12 federal disasters brought FEMA money here

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

Brought FEMA money into OtisfieldDeclared for Oxford County only
2023

Severe Storm and Flooding

3 households applied for aid $600 aid approved $92K to the Town of Otisfield for repairs
2011

Tropical Storm Irene

$3K to the Town of Otisfield for repairs
2007

Severe Storms and Inland and Coastal Flooding

10 households applied for aid $13K aid approved $145K to the Town of Otisfield for repairs
2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$85K to the Town of Otisfield for repairs
2005

Record Snow

$7K to the Town of Otisfield for repairs
2005

Snow

$8K to the Town of Otisfield for repairs
2005

Record And/Or Near Record Snow

$9K to the Town of Otisfield for repairs
2003

Severe Storms, Flooding, Snow Melt and Ice Jams

$27K to the Town of Otisfield for repairs
2003

Snow

$9K to the Town of Otisfield for repairs
2001

Snow

$22K to the Town of Otisfield for repairs
2000

Severe Storms, Flooding, and Ice Jams

$15K to the Town of Otisfield for repairs
1999

Hurricane Floyd Major Disaster Declarations

$5K to the Town of Otisfield for repairs
Oxford County has had 33 natural disasters declared since 1953, most often severe storms and floods.
Around Otisfield

Otisfield and the towns around it

Harrison: Low, mostly inland floodingNaples: Very low, mostly inland floodingOxford: Low, mostly inland floodingPoland: Low, mostly inland floodingNorway: Low, mostly inland floodingCasco: Low, mostly inland floodingBridgton: Very low, mostly inland floodingWaterford: Moderate, mostly inland floodingSebago: Low, mostly inland floodingHebron: Moderate, mostly inland floodingParis: Low, mostly inland floodingMechanic Falls: Low, mostly inland floodingMinot: Low, mostly inland floodingNew Gloucester: Very low, mostly inland floodingAuburn: Low, mostly inland floodingRaymond: Low, mostly inland floodingGreenwood: Low, mostly inland floodingOtisfield: Low, mostly inland flooding OtisfieldHarrisonNaplesOxfordPolandNorwayCasco
Very lowLowModerateHighVery high
Oxfordmostly inland floodingLow
Otisfieldmostly inland floodingLow
Norwaymostly inland floodingLow
Cascomostly inland floodingLow
Harrisonmostly inland floodingLow
Polandmostly inland floodingLow
Naplesmostly 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. Otisfield covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Otisfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Otisfield. 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 Otisfield total about $1.1M 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.

We left the porch light on

Where to, neighbor?

You’re in Otisfield, MEOxford CountyView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Otisfield is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
Open detailed map