Natural hazards · St. Francis

St. Francis, ME natural hazards

Most of the natural-hazard damage FEMA expects in St. Francis comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is St. Francis?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Francis to be higher than in 61% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding51%Cold waves34%Hurricanes7%Everything else9%

By hazard

What St. Francis faces

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

Inland flooding

51% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 3 times a year in the area

Cold waves

34% of expected damage

Above average · higher than 58% of U.S. places

Recorded about 10 times a year in the area

Hurricanes

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 15 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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. Francis flood?

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

of all homes
are insured

No community discount. St. Francis isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Aroostook County.

Disasters that hit St. Francis

1 federal disaster brought FEMA money here

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

Brought FEMA money into St. FrancisDeclared for Aroostook County only

2008

Severe Storms and Flooding

2 households applied for aid $413 aid approved $30K to the Town of St. Francis for repairs

Aroostook County has had 19 natural disasters declared since 1953, most often floods and winter storms.

Around St. Francis

St. Francis and the towns around it

Very lowLowModerateHighVery high

St. Francismostly inland floodingHigh

Allagashmostly inland floodingHigh

St. John plantationmostly 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. St. Francis 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 St. Francis’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of St. Francis. 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.