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Natural hazards · Sebago

Sebago, ME natural hazards

Most of the natural-hazard damage FEMA expects in Sebago comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1998. 13 federal disasters brought FEMA money into town.

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

How exposed is Sebago?

22
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sebago to be higher than in 22% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding47%Hurricanes18%Ice storms8%Strong wind6%Everything else22%
By hazard

What Sebago faces

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

Inland flooding

47% of expected damage
Well below average · higher than 21% of U.S. places
Recorded about 2 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 11 years in the area

Ice storms

8% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about 2 times a year in the area

Strong wind

6% of expected damage
Below average · higher than 31% of U.S. places
Recorded about once every 2 years in the area

Lower here

TornadoesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Sebago flood?

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

1paid claims since 1998
$3Kpaid to owners
0homes flooded more than once
19982026
of all homes
are insured
No community discount. Sebago 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 Sebago

13 federal disasters brought FEMA money here

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

Brought FEMA money into SebagoDeclared for Cumberland County only
2024

Severe Winter Storm

$23K to the Town of Sebago for repairs
2024

Severe Storms and Flooding

2 households applied for aid
2017

Severe Storm and Flooding

$14K to the Town of Sebago for repairs
2015

Severe Winter Storm, Snowstorm, and Flooding

$11K to the Town of Sebago for repairs
2010

Severe Winter Storm

$18K to the Town of Sebago for repairs
2008

Severe Winter Storm and Flooding

$41K to the Town of Sebago for repairs
2007

Severe Storms and Inland and Coastal Flooding

12 households applied for aid $2K aid approved $104K to the Town of Sebago for repairs
2005

Record Snow

$9K to the Town of Sebago for repairs
2005

Snow

$10K to the Town of Sebago for repairs
2005

Record And/Or Near Record Snow

$17K to the Town of Sebago for repairs
2003

Snow

$7K to the Town of Sebago for repairs
2001

Snow

$10K to the Town of Sebago for repairs
1999

Hurricane Floyd Major Disaster Declarations

$18K to the Town of Sebago for repairs
Cumberland County has had 33 natural disasters declared since 1953, most often severe storms and floods.
Around Sebago

Sebago and the towns around it

Naples: Very low, mostly inland floodingBaldwin: Low, mostly inland floodingHiram: Moderate, mostly inland floodingStandish: Low, mostly inland floodingDenmark: Moderate, mostly inland floodingCasco: Low, mostly inland floodingRaymond: Low, mostly inland floodingOtisfield: Low, mostly inland floodingBridgton: Very low, mostly inland floodingHarrison: Low, mostly inland floodingLimington: Low, mostly inland floodingCornish: Moderate, mostly inland floodingParsonsfield: Moderate, mostly inland floodingPorter: Moderate, mostly inland floodingBrownfield: Moderate, mostly inland floodingWindham: Low, mostly inland floodingHollis: Low, mostly inland floodingGorham: Low, mostly inland floodingBuxton: Low, mostly inland floodingFryeburg: Moderate, mostly inland floodingPoland: Low, mostly inland floodingGray: Very low, mostly inland floodingNew Gloucester: Very low, mostly inland floodingSebago: Low, mostly inland flooding SebagoNaplesBaldwinHiramStandishDenmarkCascoRaymond
Very lowLowModerateHighVery high
Hirammostly inland floodingModerate
Denmarkmostly inland floodingModerate
Cascomostly inland floodingLow
Standishmostly inland floodingLow
Sebagomostly inland floodingLow
Baldwinmostly inland floodingLow
Raymondmostly 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. Sebago 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 Sebago’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Sebago. 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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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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