Storms, floods and disasters in Frye Island
Frye Island isn’t graded for hazard risk: Frye Island has 34 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 2005.
What Frye Island 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
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 Frye Island flood? Rarely: 2 flood claims since 2005
Every paid claim on a federal flood insurance policy in Frye Island, from FEMA’s records.
Frye Island 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.1 federal disaster brought FEMA money to Frye Island
Disasters that paid out in Frye Island itself (aid to households or repair grants to the Town of Frye Island), newest first, with that year’s flood claims.
- 2007Severe Storms and Inland and Coastal Flooding$7K to the Town of Frye Island 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 Frye Island after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Frye Island archive →Get ready for what Frye Island 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.
- 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 Frye Island
Does Frye Island flood?
Flood insurance has paid 2 claims in Frye Island since 2005, $8K in all.
Is Frye Island 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 Frye Island?
FEMA’s Community Rating System list shows no discount for Frye Island’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 Frye Island?
By FEMA money that reached Frye Island, Severe Storms and Inland and Coastal Flooding (2007): $7K to the Town of Frye Island for repairs.
Storm stories
Memories, warnings and help from neighbors in Frye Island.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Frye Island’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.