Photo: Unknown photographer · Public domainFEMA expects less hazard damage per building in Hancock than in 70% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Hancock gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns, #72 of 143 in Maine. Most of that expected damage is hurricanes (44%), then river and rain flooding (24%). Flood insurance has paid 3 claims here since 1982.
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 Hancock’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Hancock faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Coastal flooding
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 Hancock’s grade
Hurricanes are 44% of the building damage FEMA expects in Hancock, and Hancock’s rate of hurricanes damage is higher than 88% of U.S. census tracts. Coastal flooding adds 18%, at a rate in the top 2% of U.S. census tracts.
B+ #72 of 143 in Maine; lower expected damage per building than 70% of U.S. towns (21,298).
All of Hancock’s residents live in one census tract; the figures are that tract’s.
The typical Maine town has lower expected damage than 70% of U.S. towns; within the state, Hancock has more expected damage per building than 50% of Maine towns.
In dollars, FEMA expects about $745K a year in losses across Hancock: $580K to buildings, the rest to people and crops.
Does Hancock flood? Rarely: 3 flood claims since 1982
Every paid claim on a federal flood insurance policy in Hancock, from FEMA’s records: 2.0 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.
Hancock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Hancock County.4 federal disasters brought FEMA money to Hancock
Disasters that paid out in Hancock itself (aid to households or repair grants to the Town of Hancock), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding9 households applied for aid$3K aid approved$827K to the Town of Hancock for repairs1 flood claim paid that year
- 2007Severe Storms and Inland and Coastal Flooding$11K to the Town of Hancock for repairs
- 2005Severe Storms, Flooding, Snow Melt, and Ice Jams$2K to the Town of Hancock for repairs
- 2001Snow$2K to the Town of Hancock for repairs
Hancock County has had 18 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 Hancock after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hancock archive →Hancock and its neighbors
Hancock is 3rd 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 |
|---|---|---|---|
| Bar Harbor | A−less damage than 75% | hurricanes | 3 |
| Lamoine | B+less damage than 70% | hurricanes | 3 |
| Hancock | B+less damage than 70% | hurricanes | 3 |
| Sullivan | Bless damage than 62% | hurricanes | — |
| Franklin | Bless damage than 62% | hurricanes | — |
| Gouldsboro | B−less damage than 52% | hurricanes | 2 |
| Sorrento | — | 345 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.
Get ready for what Hancock faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- 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 Hancock
Is Hancock at risk for natural disasters?
On FEMA’s National Risk Index, Hancock has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk, #72 of 143 in Maine. Most of the expected damage is hurricanes (44%) and river and rain flooding (24%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hancock flood?
Flood insurance has paid 3 claims in Hancock since 1982, $46K in all, or 2.0 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record.
Is Hancock 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 Hancock County, 13% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Hancock?
FEMA’s Community Rating System list shows no discount for Hancock’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 Hancock?
By FEMA money that reached Hancock, Severe Storms and Flooding (2024): 9 households applied for aid, $3K approved, and $827K to the Town of Hancock for repairs.
Is Hancock at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (44%), and Hancock’s rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hancock.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hancock’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.