Photo: Rapidfire · CC BY-SA 3.0On FEMA’s figures, Cape Elizabeth faces less hazard damage per building than 87% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Cape Elizabeth gets an A for hazard risk: lower expected damage per building than 87% of U.S. towns, #8 of 143 in Maine. Most of that expected damage is river and rain flooding (41%), then hurricanes (32%). Flood insurance has paid 32 claims here since 1978.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Cape Elizabeth’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Cape Elizabeth faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Ice storms
Coastal flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Cape Elizabeth’s grade
River and rain flooding is 41% of the building damage FEMA expects in Cape Elizabeth, and Cape Elizabeth’s rate of river and rain flooding damage is lower than 96% of U.S. census tracts. Ice storms add 11%, at a rate in the top 3% of U.S. census tracts.
A #8 of 143 in Maine; lower expected damage per building than 87% of U.S. towns (21,298).
Cape Elizabeth’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Maine town has lower expected damage than 70% of U.S. towns; within the state, Cape Elizabeth has less expected damage per building than 95% of Maine towns.
In dollars, FEMA expects about $2.4M a year in losses across Cape Elizabeth: $2.0M to buildings, the rest to people and crops.
Does Cape Elizabeth flood? Sometimes: 32 flood claims since 1978
Every paid claim on a federal flood insurance policy in Cape Elizabeth, from FEMA’s records: 8.0 per 1,000 homes, more than 70% of the 13,809 U.S. towns with a flood insurance record.
- The “Halloween” storm8 claims · $41K
- The April 2007 nor’easter2 claims · $9K
Cape Elizabeth isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cumberland County.14 federal disasters brought FEMA money to Cape Elizabeth
Disasters that paid out in Cape Elizabeth itself (aid to households or repair grants to the Town of Cape Elizabeth), newest first, with that year’s flood claims.
- 2024Severe Winter Storm$74K to the Town of Cape Elizabeth for repairs
- 2024Severe Storms and Flooding18 households applied for aid$209K aid approved$88K to the Town of Cape Elizabeth for repairs
- 2017Severe Storm and Flooding$34K to the Town of Cape Elizabeth for repairs
- 2015Severe Winter Storm, Snowstorm, and Flooding$32K to the Town of Cape Elizabeth for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$41K to the Town of Cape Elizabeth for repairs
- 2010Severe Winter Storm$39K to the Town of Cape Elizabeth for repairs
Show all 14
- 2008Severe Winter Storm and Flooding$131K to the Town of Cape Elizabeth for repairs
- 2007Severe Storms and Inland and Coastal Flooding70 households applied for aid$31K aid approved$127K to the Town of Cape Elizabeth for repairs2 flood claims paid that year
- 2005Record Snow$15K to the Town of Cape Elizabeth for repairs
- 2005Snow$18K to the Town of Cape Elizabeth for repairs
- 2005Record And/or Near Record Snow$16K to the Town of Cape Elizabeth for repairs
- 2005Record And/or Near Record Snow$23K to the Town of Cape Elizabeth for repairs
- 2003Snow$21K to the Town of Cape Elizabeth for repairs
- 2001Snow$20K to the Town of Cape Elizabeth for repairs
Cumberland County has had 32 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Cape Elizabeth after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cape Elizabeth archive →Cape Elizabeth and its neighbors
Cape Elizabeth has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Cape Elizabeth | Aless damage than 87% | river and rain flooding | 32 |
| Portland | A−less damage than 84% | river and rain flooding | 34 |
| South Portland | A−less damage than 83% | river and rain flooding | 13 |
| Scarborough | B+less damage than 69% | river and rain flooding | 95 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Cape Elizabeth faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Cape Elizabeth
Is Cape Elizabeth at risk for natural disasters?
On FEMA’s National Risk Index, Cape Elizabeth has lower expected damage per building than 87% of U.S. towns: A for hazard risk, #8 of 143 in Maine. Most of the expected damage is river and rain flooding (41%) and hurricanes (32%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Cape Elizabeth flood?
Flood insurance has paid 32 claims in Cape Elizabeth since 1978, $482K in all, or 8.0 per 1,000 homes, more than 70% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from The "Halloween" Storm (8).
Is Cape Elizabeth in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Cumberland County, 1.3% of all homes carry federal flood insurance.
How much is flood insurance in Cape Elizabeth?
FEMA’s Community Rating System list shows no discount for Cape Elizabeth’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Cape Elizabeth?
By FEMA money that reached Cape Elizabeth, Severe Storms and Flooding (2024): 18 households applied for aid, $209K approved, and $88K to the Town of Cape Elizabeth for repairs. By flood claims, The "Halloween" Storm: 8 paid, $41K.
Is Cape Elizabeth at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (41%), and Cape Elizabeth’s rate for it is lower than 96% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cape Elizabeth.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cape Elizabeth’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.