Natural hazards · Temple

Temple, ME natural hazards

Most of the natural-hazard damage FEMA expects in Temple comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1978. 10 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Temple?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Temple to be higher than in 70% of U.S. communities, mostly from inland flooding.

Inland flooding56%Hurricanes13%Cold waves13%Ice storms5%Everything else13%

By hazard

What Temple faces

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

Inland flooding

56% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

13% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 10 years in the area

Cold waves

13% of expected damage

Above average · higher than 50% of U.S. places

Recorded about 4 times a year in the area

Ice storms

5% of expected damage

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

Recorded about once every 2 years in the area

Lower here

TornadoesHailWinter 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 Temple flood?

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

2paid claims since 1978

$4Kpaid to owners

0homes flooded more than once

19782026

of all homes
are insured

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

Insurance rates: Franklin County.

Disasters that hit Temple

10 federal disasters brought FEMA money here

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

Brought FEMA money into TempleDeclared for Franklin County only

2023

Severe Storm and Flooding

3 households applied for aid $5K aid approved $883K to the Town of Temple for repairs

2022

Severe Storm and Flooding

$39K to the Town of Temple for repairs

2017

Severe Storm and Flooding

$78K to the Town of Temple for repairs

2011

Tropical Storm Irene

$8K to the Town of Temple for repairs

2007

Severe Storms and Inland and Coastal Flooding

$17K to the Town of Temple for repairs

2005

Severe Storms, Flooding, Snow Melt, and Ice Jams

$31K to the Town of Temple for repairs

2005

Snow

$4K to the Town of Temple for repairs

2005

Record And/Or Near Record Snow

$4K to the Town of Temple for repairs

2003

Severe Storms, Flooding, Snow Melt and Ice Jams

$8K to the Town of Temple for repairs

2000

Severe Storms, Flooding, and Ice Jams

$13K to the Town of Temple for repairs

Franklin County has had 28 natural disasters declared since 1953, most often severe storms and floods.

Around Temple

Temple and the towns around it

Very lowLowModerateHighVery high

Templemostly inland floodingHigh

Avonmostly inland floodingHigh

Wiltonmostly inland floodingModerate

Farmingtonmostly inland floodingModerate

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. Temple 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 Temple’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Temple. 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.