Natural hazards · Windham

Windham, ME natural hazards

Most of the natural-hazard damage FEMA expects in Windham comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 9 claims here since 1979. 13 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Windham?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Windham to be higher than in 25% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding45%Hurricanes24%Ice storms9%Everything else22%

By hazard

What Windham faces

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

Inland flooding

45% of expected damage

Well below average · higher than 18% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

24% of expected damage

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

Recorded about once every 8 years in the area

Ice storms

9% of expected damage

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

Recorded about 2 times a year in the area

Lower here

TornadoesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Windham flood?

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

9paid claims since 1979

$126Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

April 2007 Nor'easter: 2 claims, $9K

of all homes
are insured

No community discount. Windham 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 Windham

13 federal disasters brought FEMA money here

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

Brought FEMA money into WindhamDeclared for Cumberland County only

2024

Severe Winter Storm

$214K to the Town of Windham for repairs

2024

Severe Storms and Flooding

37 households applied for aid $173K aid approved

2017

Severe Storm and Flooding

$38K to the Town of Windham for repairs

2015

Severe Winter Storm, Snowstorm, and Flooding

$42K to the Town of Windham for repairs

2013

Severe Winter Storm, Snowstorm, and Flooding

$52K to the Town of Windham for repairs

2010

Severe Winter Storm

$11K to the Town of Windham for repairs

2008

Severe Winter Storm and Flooding

$154K to the Town of Windham for repairs

2007

Severe Storms and Inland and Coastal Flooding

55 households applied for aid $70K aid approved $112K to the Town of Windham for repairs

2005

Record Snow

$40K to the Town of Windham for repairs

2005

Snow

$26K to the Town of Windham for repairs

2005

Record And/Or Near Record Snow

$52K to the Town of Windham for repairs

2003

Snow

$31K to the Town of Windham for repairs

2001

Snow

$33K to the Town of Windham for repairs

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

Around Windham

Windham and the towns around it

Very lowLowModerateHighVery high

Westbrookmostly inland floodingModerate

Cumberlandmostly inland floodingLow

Windhammostly inland floodingLow

Standishmostly inland floodingLow

Gorhammostly inland floodingLow

Falmouthmostly inland floodingLow

Raymondmostly inland floodingLow

Graymostly 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. Windham covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Windham’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Windham. 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 Windham total about $3.6M 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.