Photo: RootsLilla · CC BY-SA 3.0On FEMA’s figures, Gray faces less hazard damage per building than 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Gray gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns, #15 of 143 in Maine. Most of that expected damage is river and rain flooding (54%), then hurricanes (30%). Flood insurance has paid 5 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 Gray 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.
What’s behind Gray’s grade
River and rain flooding is 54% of the building damage FEMA expects in Gray, and Gray’s rate of river and rain flooding damage is lower than 87% of U.S. census tracts. Ice storms add 9%, at a rate in the top 3% of U.S. census tracts.
A− #15 of 143 in Maine; lower expected damage per building than 84% of U.S. towns (21,298).
Gray’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, Gray has less expected damage per building than 90% of Maine towns.
In dollars, FEMA expects about $1.4M a year in losses across Gray: $1.1M to buildings, the rest to people and crops.
Does Gray flood? Rarely: 5 flood claims since 1978
Every paid claim on a federal flood insurance policy in Gray, from FEMA’s records: 1.1 per 1,000 homes, fewer than 75% of the 13,809 U.S. towns with a flood insurance record.
- The April 2007 nor’easter1 claim · $12K
Gray 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.15 federal disasters brought FEMA money to Gray
Disasters that paid out in Gray itself (aid to households or repair grants to the Town of Gray), newest first, with that year’s flood claims.
- 2024Severe Winter Storm$55K to the Town of Gray for repairs
- 2024Severe Storms and Flooding11 households applied for aid$39K aid approved
- 2017Severe Storm and Flooding$11K to the Town of Gray for repairs
- 2015Severe Winter Storm, Snowstorm, and Flooding$29K to the Town of Gray for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$30K to the Town of Gray for repairs
- 2010Severe Winter Storm$32K to the Town of Gray for repairs
Show all 15
- 2008Severe Winter Storm and Flooding$96K to the Town of Gray for repairs
- 2007Severe Storms and Inland and Coastal Flooding28 households applied for aid$26K aid approved$129K to the Town of Gray for repairs1 flood claim paid that year
- 2005Record Snow$24K to the Town of Gray for repairs
- 2005Snow$24K to the Town of Gray for repairs
- 2005Record And/or Near Record Snow$20K to the Town of Gray for repairs
- 2005Record And/or Near Record Snow$21K to the Town of Gray for repairs
- 2003Snow$17K to the Town of Gray for repairs
- 2001Snow$30K to the Town of Gray for repairs
- 1999Hurricane Floyd Major Disaster Declarations$9K to the Town of Gray 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 Gray after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gray archive →Gray and its neighbors
Gray is 2nd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| New Gloucester | A−less damage than 85% | river and rain flooding | — |
| Gray | A−less damage than 84% | river and rain flooding | 5 |
| Raymond | A−less damage than 82% | river and rain flooding | 2 |
| Cumberland | A−less damage than 79% | river and rain flooding | 5 |
| Windham | A−less damage than 77% | river and rain flooding | 9 |
| North Yarmouth | B+less damage than 74% | river and rain flooding | — |
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 Gray 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 Gray
Is Gray at risk for natural disasters?
On FEMA’s National Risk Index, Gray has lower expected damage per building than 84% of U.S. towns: A− for hazard risk, #15 of 143 in Maine. Most of the expected damage is river and rain flooding (54%) and hurricanes (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Gray flood?
Flood insurance has paid 5 claims in Gray since 1978, $21K in all, or 1.1 per 1,000 homes, fewer than 75% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from April 2007 Nor'easter (1).
Is Gray 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 Gray?
FEMA’s Community Rating System list shows no discount for Gray’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 Gray?
By FEMA money that reached Gray, Severe Storms and Inland and Coastal Flooding (2007): 28 households applied for aid, $26K approved, and $129K to the Town of Gray for repairs. By flood claims, April 2007 Nor'easter: 1 paid, $12K.
Is Gray at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Gray’s rate for it is lower than 87% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Gray.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gray’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.