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Natural hazards · Somerville

Somerville, ME natural hazards

Most of the natural-hazard damage FEMA expects in Somerville comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1987. 6 federal disasters brought FEMA money into town.

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

How exposed is Somerville?

45
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Somerville to be higher than in 45% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding41%Hurricanes30%Ice storms9%Everything else21%
By hazard

What Somerville faces

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

Inland flooding

41% of expected damage
Below average · higher than 31% of U.S. places
Recorded about once every 2 years in the area

Hurricanes

30% of expected damage
Well above average · higher than 88% of U.S. places
Recorded about once every 9 years in the area

Ice storms

9% of expected damage
Well above average · higher than 98% 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 Somerville flood?

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

1paid claims since 1987
$6Kpaid to owners
0homes flooded more than once
19872026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Somerville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lincoln County.
Disasters that hit Somerville

6 federal disasters brought FEMA money here

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

Brought FEMA money into SomervilleDeclared for Lincoln County only
2023

Severe Storm and Flooding

$91K to the Town of Somerville for repairs
2017

Severe Storm and Flooding

$13K to the Town of Somerville for repairs
2011

Tropical Storm Irene

$2K to the Town of Somerville for repairs
2007

Severe Storms and Inland and Coastal Flooding

$35K to the Town of Somerville for repairs
2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$73K to the Town of Somerville for repairs
2001

Snow

$3K to the Town of Somerville for repairs
Lincoln County has had 25 natural disasters declared since 1953, most often floods and severe storms.
Around Somerville

Somerville and the towns around it

Windsor: Low, mostly inland floodingJefferson: Moderate, mostly inland floodingWashington: Low, mostly inland floodingPalermo: Moderate, mostly inland floodingWhitefield: Moderate, mostly inland floodingChina: Low, mostly inland floodingNobleboro: Low, mostly inland floodingAlna: Moderate, mostly inland floodingWaldoboro: Low, mostly inland floodingNewcastle: Moderate, mostly inland floodingUnion: Low, mostly inland floodingLiberty: Moderate, mostly inland floodingSomerville: Moderate, mostly inland flooding SomervilleWindsorJeffersonWashingtonPalermo
Very lowLowModerateHighVery high
Somervillemostly inland floodingModerate
Jeffersonmostly inland floodingModerate
Palermomostly inland floodingModerate
Washingtonmostly inland floodingLow
Windsormostly 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. Somerville 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 Somerville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Somerville. 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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You’re in Somerville, MELincoln CountyView boundary

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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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