–Not graded

Natural hazards in Eagle Lake · FEMA

Storms, floods and disasters in Eagle Lake

Eagle Lake isn’t graded for hazard risk: Eagle Lake has 570 residents; we grade towns of 1,000 or more. Flood insurance has paid 18 claims here since 1995.

Flood claims

paid since 1995 · $332K

Flooded more than once

properties · 1 “severe repetitive loss”

Disasters paid out here

of 20 declared for Aroostook County

By hazard

What Eagle Lake 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

82%of expected building damage

Above average · higher than 78% of U.S. census tracts

Recorded about 3 times a year in the area

Hurricanes

10%of expected building damage

Well above average · higher than 82% of U.S. census tracts

Recorded about once every 15 years in the area

Smaller shares here

Earthquakes Winter storms top 0% Strong wind Ice storms Landslides top 2% Hail Tornadoes Wildfire Cold waves Heat waves Lightning

FEMA models no building damage here

Coastal floodingAvalanchesTsunamisVolcanic activity

People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 34% of Eagle Lake’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Eagle Lake flood? Sometimes: 18 flood claims since 1995

Every paid claim on a federal flood insurance policy in Eagle Lake, from FEMA’s records.

Paid flood claims, by year

199520082018

19952026

paid claims since 1995

$332K

paid to owners

homes flooded more than once

$18K

average claim

Homes that flooded again and again

FEMA “severe repetitive loss” (1)Flooded 2+ times

of all homes are insured

No community discount

Eagle Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Aroostook County.

What’s been done with FEMA grants

1flood-prone property bought out and cleared

Disasters

1 federal disaster brought FEMA money to Eagle Lake

Disasters that paid out in Eagle Lake itself (aid to households or repair grants to the Town of Eagle Lake), newest first, with that year’s flood claims.

2008Severe Storms and Flooding29 households applied for aid$53K aid approved$148K to the Town of Eagle Lake for repairs13 flood claims paid that year

Disasters declared, by decade

Paid out in Eagle LakeAroostook County only

Aroostook County has had 20 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Eagle Lake after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Eagle Lake archive →

Next door

Eagle Lake and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

WallagrassWinterville plantationEagle Lake

Lowest fifthSecondMiddleFourthHighest fifth

Town	Hazard risk	Mostly (buildings)	Flood claims
Wallagrass	—	514 residents; we grade 1,000+
Winterville plantation	—	248 residents; we grade 1,000+

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.

Be ready

Get ready for what Eagle Lake faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises

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.

Questions about natural hazards in Eagle Lake

Does Eagle Lake flood?

Flood insurance has paid 18 claims in Eagle Lake since 1995, $332K in all. 3 properties have flooded more than once.

Is Eagle Lake 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 Aroostook County, 0.3% of all homes carry federal flood insurance.

How much is flood insurance in Eagle Lake?

FEMA’s Community Rating System list shows no discount for Eagle Lake’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 Eagle Lake?

By FEMA money that reached Eagle Lake, Severe Storms and Flooding (2008): 29 households applied for aid, $53K approved, and $148K to the Town of Eagle Lake for repairs.

Storm stories

Memories, warnings and help from neighbors in Eagle Lake.

Town Square →

Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eagle Lake’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.

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