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Natural hazards · St. Albans

St. Albans, ME natural hazards

Most of the natural-hazard damage FEMA expects in St. Albans comes from inland flooding, and overall the risk is low for a U.S. community. 7 federal disasters brought FEMA money into town.

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

How exposed is St. Albans?

34
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Albans to be higher than in 34% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding27%Cold waves27%Hurricanes17%Drought14%Everything else15%
By hazard

What St. Albans faces

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

Inland flooding

27% of expected damage
Below average · higher than 32% of U.S. places
Recorded about 4 times a year in the area

Cold waves

27% of expected damage
Below average · higher than 47% of U.S. places
Recorded about 3 times a year in the area

Hurricanes

17% of expected damage
Well above average · higher than 85% of U.S. places
Recorded about once every 12 years in the area

Drought

14% of expected damage
Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 St. Albans flood?

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

of all homes
are insured
No community discount. St. Albans isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Somerset County.
Disasters that hit St. Albans

7 federal disasters brought FEMA money here

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

Brought FEMA money into St. AlbansDeclared for Somerset County only
2023

Severe Storm and Flooding

18 households applied for aid $6K aid approved
2017

Severe Storm and Flooding

$4K to the Town of St. Albans for repairs
2008

Severe Storms and Flooding

$30K to the Town of St. Albans for repairs
2005

Snow

$8K to the Town of St. Albans for repairs
2005

Record And/Or Near Record Snow

$5K to the Town of St. Albans for repairs
2003

Snow

$8K to the Town of St. Albans for repairs
2001

Snow

$6K to the Town of St. Albans for repairs
Somerset County has had 25 natural disasters declared since 1953, most often severe storms and floods.
Around St. Albans

St. Albans and the towns around it

Hartland: Moderate, mostly inland floodingCorinna: Low, mostly inland floodingPalmyra: Low, mostly cold wavesRipley: Low, mostly inland floodingAthens: Moderate, mostly inland floodingCanaan: Moderate, mostly inland floodingPittsfield: Moderate, mostly inland floodingCornville: Moderate, mostly inland floodingDexter: Very low, mostly inland floodingExeter: Low, mostly inland floodingNewport: Low, mostly inland floodingDetroit: Low, mostly cold wavesCambridge: Low, mostly inland floodingSt. Albans: Low, mostly inland flooding St. AlbansHartlandCorinnaPalmyraRipley
Very lowLowModerateHighVery high
Hartlandmostly inland floodingModerate
St. Albansmostly inland floodingLow
Ripleymostly inland floodingLow
Palmyramostly cold wavesLow
Corinnamostly 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. St. Albans covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to St. Albans’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of St. Albans. 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 St. Albans total about $1.6M 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.

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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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