Maine
flood insurance data
- Of the 5 zones listed (AE, X, VE, A, AO), zone AO has the highest median premium ($2,474) and zone X the lowest ($870). Coastal high-hazard zone VE is listed, with 613 policies.
- Inside the Special Flood Hazard Area (SFHA), the median premium in Maine is $1,368, 57.2% higher than outside it ($870); most of its zoned policies sit inside the SFHA (60.0%).
- 2024 alone holds 58.6% of the paid claims (year of loss 2015-2024).
- The median paid claim, $22,133, is 40.6% below the national median of the same years ($37,248), the 11th highest of 51 States and territories.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Maine
NFIP premiums: what NFIP policyholders paid, not a quote. Across 6,391 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,196, and half of them fall between $755 (Q1) and $1,648 (Q3).
The median NFIP premium in Maine, $1,196, is 13.4% above the national median ($1,055); it is the 10th highest of 53 States and territories. With 6,391 residential NFIP policies effective 2025, Maine has the 16th fewest of 53 States and territories. Residential NFIP policies counted by FEMA fell 5.5% between 2019 (6,763) and 2025 (6,391); the first year, 2019, has the highest count of the 7.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 3,835 | $964 | $1,368 | $2,330 |
| Outside SFHA (X, B, C) | 2,556 | $607 | $870 | $1,251 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 2,731 | $975 | $1,348 | $2,269 |
| X | 2,556 | $607 | $870 | $1,251 |
| VE | 613 | $1,202 | $1,640 | $3,200 |
| A | 369 | $698 | $928 | $1,359 |
| AO | 121 | $1,381 | $2,474 | $3,595 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 6,763 |
| 2020 | 6,464 |
| 2021 | 6,346 |
| 2022 | 5,899 |
| 2023 | 5,719 |
| 2024 | 6,537 |
| 2025 | 6,391 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 6,391 policies.
NFIP paid building claims in Maine
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 987 paid claims; median $22,133, half of them between $8,237 (Q1) and $50,416 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $23,699, a monetary adjustment, not today’s cost of repair.
Named events weigh little on the paid claims in Maine: the largest, December Nor'easter, accounts for 14.5% of them.
| Event | Paid claims | Share |
|---|---|---|
| December Nor'easter | 143 | 14.5% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 5 |
| 2016 | 5 |
| 2017 | 11 |
| 2018 | 98 |
| 2019 | 14 |
| 2020 | 4 |
| 2021 | 4 |
| 2022 | 100 |
| 2023 | 168 |
| 2024 | 578 |
FEMA disaster declarations
Since 2000: 27 flood, hurricane and severe-storm declarations (DR and EM) covering Maine, 24 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 5 |
| Hurricane | 3 |
| Severe Storm | 19 |
Latest declarations
- DR-4764: SEVERE STORMS AND FLOODING (Severe Storm, 2024-03-20)
- DR-4754: SEVERE STORM AND FLOODING (Severe Storm, 2024-01-30)
- EM-3598: HURRICANE LEE (Hurricane, 2023-09-14)
- DR-4737: SEVERE STORM AND FLOODING (Flood, 2023-09-06)
- DR-4736: SEVERE STORM AND FLOODING (Flood, 2023-09-05)
FEMA assistance to homeowners
Since 2002: 5,807 owner registrations inspected by FEMA in Maine after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
Of the 5,807 owner registrations FEMA inspected in Maine after disasters of every declared type, 1.3% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-1693, SEVERE STORMS AND INLAND AND COASTAL FLOODING (declared 2007-04-25), with 1,843.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 1,219 |
| $1-$10,000 | 4,175 |
| $10,001-$20,000 | 250 |
| $20,001-$30,000 | 86 |
| More than $30,000 | 77 |
Disasters with the most inspections
- DR-1693, SEVERE STORMS AND INLAND AND COASTAL FLOODING (declared 2007-04-25): 1,843 inspections
- DR-4754, SEVERE STORM AND FLOODING (declared 2024-01-30): 1,374 inspections
- DR-4764, SEVERE STORMS AND FLOODING (declared 2024-03-20): 1,181 inspections
- DR-1644, SEVERE STORMS AND FLOODING (declared 2006-05-25): 895 inspections
- DR-1755, SEVERE STORMS AND FLOODING (declared 2008-05-09): 281 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 1,020 NFIP communities in Maine: 991 participate in the NFIP and 23 (2.3%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Arrowsic, Town of, Old Orchard Beach, Town of, South Berwick, Town of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Maine dates from 1974-12-20 (Hersey, Town of). 29 of these communities do not participate in the NFIP; 29 carry a sanction, 11 coded as a suspension and 1 as a withdrawal.
| CRS class | Communities |
|---|---|
| 7 | 3 |
| 8 | 7 |
| 9 | 5 |
| 10 | 8 |
Questions about flood insurance in Maine
How much is flood insurance in Maine?
NFIP policyholders in Maine paid a median of $1,196 for residential policies effective 2025 (6,391 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $755 and $1,648; $1,368 inside the Special Flood Hazard Area against $870 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Maine had?
987 NFIP building claims were paid (year of loss 2015-2024), with a median of $22,133; the year with the most was 2024 (578), and the named event with the most was December Nor'easter (143). These are amounts paid, not repair cost.
Is Maine in a flood zone?
Of the residential NFIP policies of Maine (policies effective 2025), 3,835 are rated inside the Special Flood Hazard Area and 2,556 outside it (zones listed: AE, X, VE, A, AO), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).