Property Atlas

County hazard profile

Cumberland, ME

Maine · pop. 302,870 · FIPS 23005

Relatively Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$69M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Cumberland $69M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Low 77/100
national median ~50 higher than 77% of counties
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 98.79/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Cumberland

The National Flood Insurance Program has paid 504 flood-insurance claims totaling $5.5M in Cumberland since 1978. The costliest year was 2024 ($2.2M paid).

Flood-insurance dollars paid by year of loss

1978: $177,878 paid 1979: $10,258 paid 1980: $1,062 paid 1981: $0 paid 1983: $686 paid 1984: $15,663 paid 1986: $0 paid 1987: $137,326 paid 1989: $54,506 paid 1990: $11,605 paid 1991: $359,344 paid 1992: $2,200 paid 1993: $15,756 paid 1994: $0 paid 1995: $2,491 paid 1996: $833,938 paid 1997: $23,535 paid 1998: $40,949 paid 1999: $0 paid 2000: $2,930 paid 2001: $0 paid 2002: $0 paid 2003: $5,019 paid 2005: $11,219 paid 2006: $3,765 paid 2007: $1,205,259 paid 2008: $15,668 paid 2009: $1,774 paid 2010: $37,839 paid 2011: $92,927 paid 2012: $32,190 paid 2013: $0 paid 2014: $13,894 paid 2015: $0 paid 2017: $366 paid 2018: $19,067 paid 2019: $15,105 paid 2020: $0 paid 2022: $115,581 paid 2023: $6,352 paid 2024: $2,228,231 paid 2025: $0 paid 2024 · $2.2M 1978 2025
$5.5M
total paid
$10,902
average claim
$500K
largest single claim
57%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Cumberland, ME and where it ranks among U.S. counties. It is not a verdict on whether Cumberland is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.