Photo: Unknown authorUnknown author · Public domainStorms, floods and disasters in Cape Neddick
Cape Neddick isn’t graded for hazard risk: Cape Neddick is a Census area inside a town, graded with the town. Flood insurance has paid 21 claims here since 2010.
What Cape Neddick 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
Earthquakes
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.
Does Cape Neddick flood? Sometimes: 21 flood claims since 2010
Every paid claim on a federal flood insurance policy in Cape Neddick, from FEMA’s records.
Cape Neddick isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: York County.The storms Cape Neddick remembers
None of the 35 disasters declared for York County shows FEMA aid or repair money reaching Cape Neddick itself in FEMA’s records, so these are its biggest flood-claim years.
- 202418 flood claims paidThe year of Severe Winter Storm, declared for York County
- 20101 flood claims paidThe year of Severe Storms and Flooding, declared for York County
- 20131 flood claims paidThe year of Severe Winter Storm, Snowstorm, and Flooding, declared for York County
York County has had 35 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Cape Neddick after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cape Neddick archive →Cape Neddick and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| York Harbor | — | a Census area inside a town; graded with the town | |
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 Neddick 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Neddick
Does Cape Neddick flood?
Flood insurance has paid 21 claims in Cape Neddick since 2010, $962K in all.
Is Cape Neddick 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 York County, 3.4% of all homes carry federal flood insurance.
How much is flood insurance in Cape Neddick?
FEMA’s Community Rating System list shows no discount for Cape Neddick’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Cape Neddick.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cape Neddick’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.