Natural disaster risk FEMA

Maine natural disaster risk

Maine ranks #10 of 51 from safest. Its biggest relative risks are ice storm, winter weather, hurricane.

Risk score
67.8
Above average for U.S. counties
Expected loss per resident
$305
per year, all hazards
Home insurance (median)
$1,081
per year with a mortgage, ACS 2024
Highest relative risks in Maine (national percentile)
Higher risk than most U.S. counties
Ice storm94
Winter weather92
Hurricane87
Lightning76
Earthquake71
Landslide68

The vertical line marks the middle of U.S. counties (50).

Risk in Maine's largest counties

CountyPopulationRisk scoreFEMA rating
Cumberland County308,82777.0Relatively Low
York County216,73181.5Relatively Moderate
Penobscot County154,71078.0Relatively Low
Kennebec County126,80875.2Relatively Low
Androscoggin County113,42359.1Relatively Low
Aroostook County67,05880.4Relatively Low
Oxford County59,25565.9Relatively Low
Hancock County56,46055.0Relatively Low
Somerset County50,95967.9Relatively Low
Knox County41,00328.6Very Low
Waldo County40,19240.6Very Low
Sagadahoc County37,28523.3Very Low
Lincoln County36,09931.8Very Low
Washington County31,33147.6Relatively Low
Franklin County30,41343.6Relatively Low
Piscataquis County17,26352.4Relatively Low

County scores are averages, and the insurance figure above is what owners with a mortgage reported paying in 2024 (Census American Community Survey); premiums have risen since, especially in high-risk areas. For a specific home, check the address on FEMA's flood map and get insurance quotes before you commit. Our guide explains how to check natural disaster risk before you move.

Lowest-risk counties in Maine

Cities in Maine

Frequently asked questions

Is Maine safe from natural disasters?

Maine's population-weighted FEMA risk score is 67.8 out of 100 (above average for U.S. counties), #10 of 51 from safest. No residents live in counties FEMA rates relatively high or very high.

What natural disasters happen in Maine?

The highest relative risks in Maine are ice storm, winter weather, hurricane (national percentile scores 94, 92, 87).

Where is the safest place to live in Maine?

Among counties with at least 20,000 people, the lowest FEMA risk scores are in Sagadahoc County, Knox County, Lincoln County.