Flood Claims Map

Maine

Flood insurance claims in Franklin County, Maine

FEMA records 88 National Flood Insurance Program claims in Franklin County, Maine, since 1978, with $1.8 million paid in total. The year with the most claims was 2023, with 25. As of 3 August 2026, 0.7% of homes here had an NFIP policy.

NFIP claims on record88
Total paid$1.8 million
Claims with a payment71
Homes with NFIP policy0.7%
High-risk zone homes insuredn/a
Residential policies in force91

Claims by year of loss

1978: 819781979: 21980: 01981: 01982: 019821983: 01984: 01985: 01986: 119861987: 181988: 01989: 01990: 019901991: 01992: 01993: 01994: 019941995: 11996: 21997: 01998: 519981999: 12000: 02001: 02002: 020022003: 02004: 02005: 02006: 120062007: 02008: 02009: 02010: 120102011: 152012: 02013: 02014: 120142015: 02016: 02017: 52018: 020182019: 02020: 22021: 02022: 020222023: 2525

NFIP claims by year of loss, Franklin County, Maine

1978: $15,38719781979: $16,9241980: $01981: $01982: $019821983: $01984: $01985: $01986: $49919861987: $137,8651988: $01989: $01990: $019901991: $01992: $01993: $01994: $019941995: $1,2581996: $10,8341997: $01998: $2,77319981999: $3,9072000: $02001: $02002: $020022003: $02004: $02005: $02006: $18,22420062007: $02008: $02009: $02010: $17,64520102011: $259,0022012: $02013: $02014: $020142015: $02016: $02017: $358,7092018: $020182019: $02020: $02021: $02022: $020222023: $959,464$959,464

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

Named flood events with the most claims

Event (FEMA name)Claims
December Nor'easter21
Flooding17
Hurricane Irene15

ZIP codes with the most claims

ZIP code (as reported)Claims
0494743
0493816
042946
049405
049664
049822
049702
049922
049842
042251

59 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.7 million, contents $143,238, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone073n/a
All homes13,443910.7%

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.