Flood insurance claims in Kennebec County, Maine

FEMA records 441 National Flood Insurance Program claims in Kennebec County, Maine, since 1978, with $7.4 million paid in total. The year with the most claims was 1987, with 127. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 13.1% of homes in the high-risk flood zone did.

NFIP claims on record441

Total paid$7.4 million

Claims with a payment340

Homes with NFIP policy0.5%

High-risk zone homes insured13.1%

Residential policies in force249

Claims by year of loss

NFIP claims by year of loss, Kennebec County, Maine

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	123
December Nor'easter	47
April 2007 Nor'easter	3
Hurricane Sandy	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
04330	110
04345	94
04347	78
04901	56
04284	21
04364	10
04927	7
04902	7
04346	6
04259	6

303 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.6 million, contents $1.8 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,368	179	13.1%
All homes	48,523	249	0.5%

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

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.