Natural hazards · Westbrook

Westbrook, ME natural hazards

Most of the natural-hazard damage FEMA expects in Westbrook comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 19 claims here since 1989. 13 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Westbrook?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Westbrook to be higher than in 42% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding50%Hurricanes19%Ice storms7%Winter weather5%Everything else19%

By hazard

What Westbrook faces

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

Inland flooding

50% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

19% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 8 years in the area

Ice storms

7% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 2 times a year in the area

Winter weather

5% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about 35 times a year in the area

Lower here

TornadoesHailCold 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 Westbrook flood?

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

19paid claims since 1989

$1.2Mpaid to owners

1homes flooded more than once

19892026

Biggest named events

April 2007 Nor'easter: 9 claims, $847K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of all homes
are insured

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

Insurance rates: Cumberland County.

Disasters that hit Westbrook

13 federal disasters brought FEMA money here

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

Brought FEMA money into WestbrookDeclared for Cumberland County only

2024

Severe Winter Storm

$86K to the City of Westbrook for repairs

2024

Severe Storms and Flooding

20 households applied for aid $22K aid approved

2017

Severe Storm and Flooding

$44K to the City of Westbrook for repairs

2015

Severe Winter Storm, Snowstorm, and Flooding

$44K to the City of Westbrook for repairs

2013

Severe Winter Storm, Snowstorm, and Flooding

$52K to the City of Westbrook for repairs

2010

Severe Winter Storm

$24K to the City of Westbrook for repairs

2008

Severe Winter Storm and Flooding

$142K to the City of Westbrook for repairs

2007

Severe Storms and Inland and Coastal Flooding

61 households applied for aid $52K aid approved $74K to the City of Westbrook for repairs

2005

Record Snow

$33K to the City of Westbrook for repairs

2005

Snow

$31K to the City of Westbrook for repairs

2005

Record And/Or Near Record Snow

$66K to the City of Westbrook for repairs

2003

Snow

$27K to the City of Westbrook for repairs

2001

Snow

$33K to the City of Westbrook for repairs

Cumberland County has had 33 natural disasters declared since 1953, most often severe storms and floods.

Around Westbrook

Westbrook and the towns around it

Very lowLowModerateHighVery high

Westbrookmostly inland floodingModerate

Scarboroughmostly inland floodingLow

Windhammostly inland floodingLow

Falmouthmostly inland floodingLow

Gorhammostly inland floodingLow

Portlandmostly 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. Westbrook covers 5 census tracts, combined by population.

Money that reached townFlood claims are matched to Westbrook’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Westbrook. 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 Westbrook total about $4.9M 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.