Flood insurance claims in Oxford County, Maine

FEMA records 352 National Flood Insurance Program claims in Oxford County, Maine, since 1978, with $5.9 million paid in total. The year with the most claims was 1987, with 117. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 19.0% of homes in the high-risk flood zone did.

NFIP claims on record352

Total paid$5.9 million

Claims with a payment272

Homes with NFIP policy1.1%

High-risk zone homes insured19.0%

Residential policies in force275

Claims by year of loss

NFIP claims by year of loss, Oxford County, Maine

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	117
December Nor'easter	50
April 2007 Nor'easter	1
Hurricane Sandy	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
04221	67
04037	58
04257	55
04276	48
04217	23
04051	16
04268	11
04278	8
04275	6
04220	5

233 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.8 million, contents $1.0 million, increased cost of compliance $41,584.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,171	222	19.0%
All homes	25,121	275	1.1%

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.