Flood Help Guide

Cumberland County flood history

Maine · From FEMA's flood insurance and disaster data · Updated 2026-10-08

504NFIP flood claims since 1978
$5.5 millionPaid on those claims
$35,069Average paid claimlast 10 years
1.3%Homes with NFIP flood insurance
7Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 504 flood insurance claims in Cumberland County, Maine since 1978. The NFIP paid $5.5 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 2024, with 85.

In the last ten years (2017–2026) there were 111 claims, and the average paid claim was $35,069.

33% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 1.3% of homes in Cumberland County, Maine had an NFIP flood policy in FEMA's latest count (1,320 of 100,401 residential buildings).

Since 2000, FEMA has made 7 flood-related disaster declarations covering Cumberland County, Maine. The most recent was DR-4764-ME (Severe Storms and Flooding), declared March 20, 2024.

NFIP claims by year

NFIP flood claims per year in Cumberland County, Maine02550751001978: 50 claims, $177,878 paid1979: 8 claims, $10,258 paid1980: 4 claims, $1,062 paid19801981: 2 claims, $0 paid1983: 4 claims, $686 paid1984: 8 claims, $15,663 paid1986: 4 claims, $0 paid1987: 21 claims, $137,326 paid1989: 11 claims, $54,506 paid1990: 13 claims, $11,605 paid19901991: 45 claims, $359,344 paid1992: 1 claims, $2,200 paid1993: 8 claims, $15,756 paid1994: 2 claims, $0 paid1995: 2 claims, $2,491 paid1996: 48 claims, $833,938 paid1997: 9 claims, $23,535 paid1998: 15 claims, $40,949 paid1999: 4 claims, $0 paid2000: 2 claims, $2,930 paid20002001: 1 claims, $0 paid2002: 4 claims, $0 paid2003: 1 claims, $5,019 paid2005: 10 claims, $11,219 paid2006: 4 claims, $3,765 paid2007: 68 claims, $1.2 million paid2008: 3 claims, $15,668 paid2009: 5 claims, $1,774 paid2010: 12 claims, $37,839 paid20102011: 2 claims, $92,927 paid2012: 15 claims, $32,190 paid2013: 1 claims, $0 paid2014: 4 claims, $13,894 paid2015: 2 claims, $0 paid2017: 2 claims, $366 paid2018: 8 claims, $19,067 paid2019: 1 claims, $15,105 paid2020: 2 claims, $0 paid20202022: 9 claims, $115,581 paid2023: 3 claims, $6,352 paid2024: 85 claims, $2.2 million paid2025: 1 claims, $0 paid
Claims per year of loss. Hover or tap a bar for details.
Show as a table
YearClaimsPaid
20251$0
202485$2.2 million
20233$6,352
20229$115,581
20202$0
20191$15,105
20188$19,067
20172$366
20152$0
20144$13,894
20131$0
201215$32,190
20112$92,927
201012$37,839
20095$1,774
20083$15,668
200768$1.2 million
20064$3,765
200510$11,219
20031$5,019
20024$0
20011$0
20002$2,930
19994$0
199815$40,949
19979$23,535
199648$833,938
19952$2,491
19942$0
19938$15,756
19921$2,200
199145$359,344
199013$11,605
198911$54,506
198721$137,326
19864$0
19848$15,663
19834$686
19812$0
19804$1,062
19798$10,258
197850$177,878

Named flood events

EventYearClaimsPaid
April 2007 Nor'easter200766$1.2 million
The "Halloween" Storm199129$123,921
Flooding198719$122,801
Hurricane Irene20112$92,927
Hurricane Sandy20122$10,568

How many homes have flood insurance

FEMA counts 1,320 residential NFIP policies in Cumberland County, against 100,401 residential buildings (1.3%). Private flood policies aren't in these counts.

Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?

Flood-related disaster declarations

DeclarationDeclaredEventHelp for individuals
DR-4764-ME Mar 20, 2024 Severe Storms and Flooding Yes
DR-4354-ME Jan 2, 2018 Severe Storm and Flooding No
DR-4208-ME Mar 12, 2015 Severe Winter Storm, Snowstorm, and Flooding No
DR-4108-ME Mar 25, 2013 Severe Winter Storm, Snowstorm, and Flooding No
DR-1815-ME Jan 9, 2009 Severe Winter Storm and Flooding No
DR-1788-ME Sep 9, 2008 Severe Storms, Flooding, and Tornadoes No
DR-1693-ME Apr 25, 2007 Severe Storms and Inland and Coastal Flooding Yes

Check your own address

County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Maine.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.