Natural hazards · Steuben

Steuben, ME natural hazards

Most of the natural-hazard damage FEMA expects in Steuben comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1980. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Steuben?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Steuben to be higher than in 53% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding34%Hurricanes29%Coastal flooding12%Ice storms10%Cold waves6%Everything else9%

By hazard

What Steuben faces

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

Inland flooding

34% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about once a year in the area

Hurricanes

29% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 9 years in the area

Coastal flooding

12% of expected damage

Well above average · higher than 98% of U.S. places

Ice storms

10% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Cold waves

6% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Steuben flood?

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

5paid claims since 1980

$59Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Washington County.

Disasters that hit Steuben

3 federal disasters brought FEMA money here

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

Brought FEMA money into SteubenDeclared for Washington County only

2024

Severe Storms and Flooding

28 households applied for aid $26K aid approved $655K to the Town of Steuben for repairs

2007

Severe Storms and Inland and Coastal Flooding

$1K to the Town of Steuben for repairs

2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$20K to the Town of Steuben for repairs

Washington County has had 21 natural disasters declared since 1953, most often severe storms and winter storms.

Around Steuben

Steuben and the towns around it

Very lowLowModerateHighVery high

Steubenmostly inland floodingModerate

Cherryfieldmostly inland floodingModerate

Gouldsboromostly hurricanesModerate

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. Steuben covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Steuben’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Steuben. 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 Steuben total about $1.5M 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.