Enter any Maine address to see its FEMA flood zone designation
Maine's flood risk is characterized by a mix of event types, with inland flooding and flash floods occurring most frequently over the last 30 years, according to NOAA data. While floods accounted for 928 events and flash floods for 451, coastal flooding also presents a significant risk with 227 recorded events, alongside storm surge/tide events and tropical storm impacts.
Recent federal disaster declarations highlight severe storms and flooding as a recurring issue for the state, with multiple declarations in January 2024. These events underscore the vulnerability of both coastal and inland areas to significant weather-related impacts.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have the highest number of claims and the largest total payout, suggesting a substantial risk in these areas. However, a significant number of claims also originate from zones categorized as "UNKNOWN" or X_UNSHADED, indicating that flood risk is not confined to the most commonly recognized high-risk zones, and residents in these areas may face unexpected flood events and associated costs.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Maine has received 1,065 federal disaster declarations, including 115 flood and coastal storm declarations and 19 hurricane declarations.
FEMA designates flood zones across Maine using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Maine FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Maine is approximately $866 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Maine residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
See the most flood-prone counties in Maine →
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