Flood Claims Map

Maine

Flood insurance claims in Cumberland County, Maine

FEMA records 504 National Flood Insurance Program claims in Cumberland County, Maine, since 1978, with $5.5 million paid in total. The year with the most claims was 2024, with 85. As of 3 August 2026, 1.3% of homes here had an NFIP policy.

NFIP claims on record504
Total paid$5.5 million
Claims with a payment301
Homes with NFIP policy1.3%
High-risk zone homes insuredn/a
Residential policies in force1,320

Claims by year of loss

1978: 5019781979: 81980: 41981: 21982: 019821983: 41984: 81985: 01986: 419861987: 211988: 01989: 111990: 1319901991: 451992: 11993: 81994: 219941995: 21996: 481997: 91998: 1519981999: 42000: 22001: 12002: 420022003: 12004: 02005: 102006: 420062007: 682008: 32009: 52010: 1220102011: 22012: 152013: 12014: 420142015: 22016: 02017: 22018: 820182019: 12020: 22021: 02022: 920222023: 32024: 852025: 185

NFIP claims by year of loss, Cumberland County, Maine

1978: $177,87819781979: $10,2581980: $1,0621981: $01982: $019821983: $6861984: $15,6631985: $01986: $019861987: $137,3261988: $01989: $54,5061990: $11,60519901991: $359,3441992: $2,2001993: $15,7561994: $019941995: $2,4911996: $833,9381997: $23,5351998: $40,94919981999: $02000: $2,9302001: $02002: $020022003: $5,0192004: $02005: $11,2192006: $3,76520062007: $1.2 million2008: $15,6682009: $1,7742010: $37,83920102011: $92,9272012: $32,1902013: $02014: $13,89420142015: $02016: $02017: $3662018: $19,06720182019: $15,1052020: $02021: $02022: $115,58120222023: $6,3522024: $2.2 million2025: $0$2.2 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Cumberland County, Maine

Named flood events with the most claims

Event (FEMA name)Claims
April 2007 Nor'easter66
The "Halloween" Storm29
Flooding19
Hurricane Irene2
Hurricane Sandy2

ZIP codes with the most claims

ZIP code (as reported)Claims
04074151
0410749
0405525
0410323
0410123
0401522
0409221
0407920
0410817
0406216

289 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.8 million, contents $694,174, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0598n/a
All homes100,4011,3201.3%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.