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Natural hazards · Waterboro

Waterboro, ME natural hazards

Most of the natural-hazard damage FEMA expects in Waterboro comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 4 claims here since 2007. 3 federal disasters brought FEMA money into town.

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

How exposed is Waterboro?

28
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Waterboro to be higher than in 28% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding60%Hurricanes21%Ice storms7%Everything else12%
By hazard

What Waterboro faces

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

Inland flooding

60% of expected damage
Below average · higher than 34% of U.S. places
Recorded about once a year in the area

Hurricanes

21% of expected damage
Well above average · higher than 84% of U.S. places
Recorded about once every 10 years in the area

Ice storms

7% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 2 times a year in the area

Lower here

TornadoesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Waterboro flood?

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

4paid claims since 2007
$20Kpaid to owners
0homes flooded more than once
20072026

Biggest named events

  • April 2007 Nor'easter: 2 claims, $11K
of all homes
are insured
No community discount. Waterboro isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: York County.
Disasters that hit Waterboro

3 federal disasters brought FEMA money here

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

Brought FEMA money into WaterboroDeclared for York County only
2024

Severe Storms and Flooding

1 household applied for aid $6K aid approved
2007

Severe Storms and Inland and Coastal Flooding

23 households applied for aid $20K aid approved
2006

Severe Storms and Flooding

5 households applied for aid $7K aid approved
York County has had 36 natural disasters declared since 1953, most often severe storms and floods.
Around Waterboro

Waterboro and the towns around it

Limerick: Very low, mostly inland floodingAlfred: Low, mostly inland floodingLimington: Low, mostly inland floodingLyman: Low, mostly inland floodingHollis: Low, mostly inland floodingNewfield: Low, mostly inland floodingCornish: Moderate, mostly inland floodingParsonsfield: Moderate, mostly inland floodingSanford: Low, mostly inland floodingShapleigh: Low, mostly inland floodingStandish: Low, mostly inland floodingBaldwin: Low, mostly inland floodingDayton: Low, mostly inland floodingArundel: Low, mostly inland floodingBuxton: Low, mostly inland floodingWaterboro: Low, mostly inland flooding WaterboroLimerickAlfredLimingtonLymanHollis
Very lowLowModerateHighVery high
Hollismostly inland floodingLow
Waterboromostly inland floodingLow
Alfredmostly inland floodingLow
Limingtonmostly inland floodingLow
Lymanmostly inland floodingLow
Limerickmostly inland floodingVery low
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. Waterboro covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Waterboro’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Waterboro. 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 Waterboro total about $1.8M 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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