Flood Claims Map

Maine

Flood insurance claims in Penobscot County, Maine

FEMA records 238 National Flood Insurance Program claims in Penobscot County, Maine, since 1978, with $1.7 million paid in total. The year with the most claims was 1987, with 64. As of 3 August 2026, 0.4% of homes here had an NFIP policy.

NFIP claims on record238
Total paid$1.7 million
Claims with a payment171
Homes with NFIP policy0.4%
High-risk zone homes insuredn/a
Residential policies in force194

Claims by year of loss

1978: 819781979: 201980: 11981: 61982: 119821983: 211984: 71985: 01986: 119861987: 641988: 01989: 31990: 019901991: 41992: 11993: 81994: 719941995: 11996: 41997: 01998: 419981999: 22000: 02001: 02002: 020022003: 12004: 02005: 172006: 020062007: 62008: 282009: 02010: 420102011: 42012: 02013: 02014: 620142015: 22016: 02017: 12018: 120182019: 22020: 02021: 02022: 020222023: 22024: 164

NFIP claims by year of loss, Penobscot County, Maine

1978: $9,93319781979: $20,5741980: $01981: $3,2971982: $019821983: $63,7441984: $2,7671985: $01986: $3,73019861987: $916,1551988: $01989: $01990: $019901991: $7981992: $01993: $10,1451994: $17,65919941995: $5631996: $3,2341997: $01998: $16,53319981999: $30,0182000: $02001: $02002: $020022003: $02004: $02005: $92,6992006: $020062007: $13,3802008: $312,5432009: $02010: $52,78820102011: $42,9422012: $02013: $02014: $18,68820142015: $14,2122016: $02017: $02018: $9,63120182019: $02020: $02021: $02022: $020222023: $46,3842024: $2,723$916,155

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding64
April 2007 Nor'easter3
December Nor'easter2

ZIP codes with the most claims

ZIP code (as reported)Claims
0446137
0440133
0446023
0441122
0446818
0442313
0447311
0446210
0447510
044488

133 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.3 million, contents $442,660, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0131n/a
All homes55,2911940.4%

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.