Property Atlas

County hazard profile

Lincoln, ME

Maine · pop. 35,222 · FIPS 23015

Very Low
FEMA risk rating · RATING
Winter Weather
dominant hazard
$11M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Lincoln $11M

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 indexVery Low 31.81/100
national median ~50 lower than most counties (32nd percentile)
Social vulnerabilityRelatively Low 35.53/100
national median ~50 lower than most counties (36th percentile)
Community resilienceVery High 95.36/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Lincoln

The National Flood Insurance Program has paid 148 flood-insurance claims totaling $3.6M in Lincoln since 1978. The costliest year was 2024 ($2.4M paid).

Flood-insurance dollars paid by year of loss

1978: $142,033 paid 1980: $1,200 paid 1981: $0 paid 1986: $30,408 paid 1987: $17,522 paid 1990: $23,614 paid 1991: $64,182 paid 1992: $18,268 paid 1997: $95,378 paid 1998: $3,436 paid 2000: $15,344 paid 2001: $1,080 paid 2002: $0 paid 2003: $0 paid 2005: $619 paid 2007: $26,058 paid 2008: $7,427 paid 2009: $0 paid 2010: $4,927 paid 2011: $0 paid 2014: $92,111 paid 2015: $0 paid 2016: $0 paid 2018: $456,246 paid 2022: $160,647 paid 2023: $20,811 paid 2024: $2,449,321 paid 2024 · $2.4M 1978 2024
$3.6M
total paid
$24,531
average claim
$378K
largest single claim
61%
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 Lincoln, ME and where it ranks among U.S. counties. It is not a verdict on whether Lincoln 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.