Flood Claims Map

Maine

Flood insurance claims in Waldo County, Maine

FEMA records 73 National Flood Insurance Program claims in Waldo County, Maine, since 1978, with $1.5 million paid in total. The year with the most claims was 2024, with 11. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 29.0% of homes in the high-risk flood zone did.

NFIP claims on record73
Total paid$1.5 million
Claims with a payment48
Homes with NFIP policy0.8%
High-risk zone homes insured29.0%
Residential policies in force133

Claims by year of loss

1978: 419781979: 11980: 11981: 01982: 219821983: 11984: 01985: 01986: 319861987: 71988: 01989: 01990: 019901991: 01992: 11993: 21994: 019941995: 01996: 11997: 41998: 119981999: 12000: 02001: 12002: 020022003: 12004: 02005: 32006: 020062007: 42008: 02009: 42010: 220102011: 12012: 12013: 02014: 020142015: 02016: 22017: 42018: 220182019: 42020: 12021: 02022: 220222023: 12024: 1111

NFIP claims by year of loss, Waldo County, Maine

1978: $14,54919781979: $01980: $01981: $01982: $1,70319821983: $01984: $01985: $01986: $50019861987: $37,2191988: $01989: $01990: $019901991: $01992: $01993: $2,9371994: $019941995: $01996: $8,3651997: $141,2071998: $7,04819981999: $02000: $02001: $02002: $020022003: $5,9882004: $02005: $43,9352006: $020062007: $106,2882008: $02009: $112,2172010: $7,03520102011: $02012: $1,3602013: $02014: $020142015: $02016: $11,9262017: $21,4542018: $55,84120182019: $196,9772020: $12,0122021: $02022: $62,41220222023: $42,5932024: $617,348$617,348

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding5
April 2007 Nor'easter3

ZIP codes with the most claims

ZIP code (as reported)Claims
0491530
0484917
049229
049734
049883
044382
049742
049811
049211
048481

41 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $314,622, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2005829.0%
All homes16,4231330.8%

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.