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Natural hazards · Maine

Maine, NY natural hazards

Most of the natural-hazard damage FEMA expects in Maine comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 33 claims here since 1979. 9 federal disasters brought FEMA money into town.

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

How exposed is Maine?

72
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Maine to be higher than in 72% of U.S. communities, mostly from inland flooding.

Inland flooding86%Tornadoes5%Everything else9%
By hazard

What Maine faces

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

Inland flooding

86% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

5% of expected damage
Below average · higher than 37% of U.S. places
Recorded about once every 78 years in the area

Lower here

HurricanesHailIce stormsWinter 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 Maine flood?

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

33paid claims since 1979
$1.3Mpaid to owners
6homes flooded more than once
19792026

Biggest named events

  • Tropical Storm Lee: 16 claims, $636K

Homes that flooded again and again

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

of all homes
are insured
No community discount. Maine isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Broome County.
Disasters that hit Maine

9 federal disasters brought FEMA money here

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

Brought FEMA money into MaineDeclared for Broome County only
2018

Severe Storms and Flooding

$53K to the Town of Maine for repairs
2017

Severe Winter Storm and Snowstorm

$25K to the Town of Maine for repairs
2013

Severe Storms and Flooding

$88K to the Town of Maine for repairs
2011

Remnants of Tropical Storm Lee

58 households applied for aid $178K aid approved $2.1M to the Town of Maine for repairs
2011

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$250K to the Town of Maine for repairs
2006

Severe Storms and Flooding

5 households applied for aid $7K aid approved $126K to the Town of Maine for repairs
2004

Tropical Depression Ivan

1 household applied for aid $1K to the Town of Maine for repairs
2003

Snow

$22K to the Town of Maine for repairs
2002

Snowstorms

$29K to the Town of Maine for repairs
Broome County has had 23 natural disasters declared since 1953, most often floods and severe storms.
Around Maine

Maine and the towns around it

Newark Valley: High, mostly inland floodingChenango: Moderate, mostly inland floodingUnion: Moderate, mostly inland floodingNanticoke: High, mostly inland floodingOwego: High, mostly inland floodingBarker: High, mostly inland floodingCandor: High, mostly inland floodingBerkshire: High, mostly inland floodingFenton: Moderate, mostly inland floodingDickinson: Very low, mostly inland floodingVestal: Moderate, mostly inland floodingJohnson City: Moderate, mostly inland floodingBinghamton: Moderate, mostly inland floodingEndicott: Moderate, mostly inland floodingLisle: High, mostly inland floodingTioga: High, mostly inland floodingOwego: Very high, mostly inland floodingNichols: High, mostly inland floodingWarren: High, mostly inland floodingGreene: High, mostly inland floodingTriangle: Moderate, mostly inland floodingMaine: High, mostly inland flooding MaineNewark ValleyChenangoUnionNanticokeOwegoBarker
Very lowLowModerateHighVery high
Nanticokemostly inland floodingHigh
Newark Valleymostly inland floodingHigh
Mainemostly inland floodingHigh
Owegomostly inland floodingHigh
Barkermostly inland floodingHigh
Chenangomostly inland floodingModerate
Unionmostly 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. Maine covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Maine’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Maine. 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 Maine total about $1.9M 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.

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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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