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Natural hazards · Phillips

Phillips, ME natural hazards

Most of the natural-hazard damage FEMA expects in Phillips comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2011. 14 federal disasters brought FEMA money into town.

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

How exposed is Phillips?

75
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Phillips to be higher than in 75% of U.S. communities, mostly from inland flooding.

Inland flooding66%Cold waves13%Hurricanes10%Everything else11%
By hazard

What Phillips faces

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

Inland flooding

66% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about 2 times a year in the area

Cold waves

13% of expected damage
Above average · higher than 54% of U.S. places
Recorded about 7 times a year in the area

Hurricanes

10% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once every 12 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Phillips flood?

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

3paid claims since 2011
$63Kpaid to owners
0homes flooded more than once
20112026

Biggest named events

  • December Nor'easter: 2 claims, $35K
  • Hurricane Irene: 1 claim, $28K
of all homes
are insured
No community discount. Phillips isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Franklin County.
Disasters that hit Phillips

14 federal disasters brought FEMA money here

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

Brought FEMA money into PhillipsDeclared for Franklin County only
2023

Severe Storm and Flooding

26 households applied for aid $178K aid approved $1.5M to the Town of Phillips for repairs
2022

Severe Storm and Flooding

$28K to the Town of Phillips for repairs
2017

Severe Storm and Flooding

$407K to the Town of Phillips for repairs
2011

Tropical Storm Irene

$42K to the Town of Phillips for repairs
2009

Severe Storms, Flooding, and Landslides

$250K to the Town of Phillips for repairs
2007

Severe Storms and Inland and Coastal Flooding

$34K to the Town of Phillips for repairs
2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$4K to the Town of Phillips for repairs
2005

Snow

$9K to the Town of Phillips for repairs
2005

Record And/Or Near Record Snow

$5K to the Town of Phillips for repairs
2003

Snow

$12K to the Town of Phillips for repairs
2003

Severe Storms, Flooding, Snow Melt and Ice Jams

$4K to the Town of Phillips for repairs
2001

Severe Winter Storms and Flooding

$3K to the Town of Phillips for repairs
2001

Snow

$7K to the Town of Phillips for repairs
2000

Severe Storms, Flooding, and Ice Jams

$10K to the Town of Phillips for repairs
Franklin County has had 28 natural disasters declared since 1953, most often severe storms and floods.
Around Phillips

Phillips and the towns around it

Avon: High, mostly inland floodingStrong: High, mostly inland floodingTemple: High, mostly inland floodingWeld: High, mostly inland floodingPhillips: High, mostly inland flooding PhillipsAvon
Very lowLowModerateHighVery high
Phillipsmostly inland floodingHigh
Avonmostly inland floodingHigh
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. Phillips is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Phillips’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Phillips. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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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