Photo: Billy Hathorn · CC BY 3.0FEMA puts Lamoine’s expected hazard damage per building below that of 70% of U.S. towns, led by hurricanes
On FEMA’s National Risk Index, Lamoine gets a B+ for hazard risk: lower expected damage per building than 70% of U.S. towns. Most of that expected damage is hurricanes (44%), then river and rain flooding (24%). Flood insurance has paid 3 claims here since 2021.
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 Lamoine’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Lamoine 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 Lamoine’s grade
Hurricanes are 44% of the building damage FEMA expects in Lamoine, and Lamoine’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+ lower expected damage per building than 70% of U.S. towns (21,298).
All of Lamoine’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $520K a year in losses across Lamoine: $405K to buildings, the rest to people and crops.
Does Lamoine flood? Rarely: 3 flood claims since 2021
Every paid claim on a federal flood insurance policy in Lamoine, from FEMA’s records: 2.7 per 1,000 homes, fewer than 54% of the 13,809 U.S. towns with a flood insurance record.
Lamoine 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.5 federal disasters brought FEMA money to Lamoine
Disasters that paid out in Lamoine itself (aid to households or repair grants to the Town of Lamoine), newest first, with that year’s flood claims.
- 2024Severe Storms and Flooding10 households applied for aid$2K aid approved$7K to the Town of Lamoine for repairs2 flood claims paid that year
- 2023Severe Storm and Flooding$18K to the Town of Lamoine for repairs
- 2009Severe Storms, Flooding, and Landslides$11K to the Town of Lamoine for repairs
- 2007Flooding$30K to the Town of Lamoine for repairs
- 2005Severe Storms, Flooding, Snow Melt, and Ice Jams$7K to the Town of Lamoine 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 Lamoine after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lamoine archive →Lamoine and its neighbors
Lamoine is 4th of the 4 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 |
| Trenton | B+less damage than 70% | hurricanes | 2 |
| Hancock | B+less damage than 70% | hurricanes | 3 |
| Lamoine | B+less damage than 70% | hurricanes | 3 |
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 Lamoine 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 Lamoine
Is Lamoine at risk for natural disasters?
On FEMA’s National Risk Index, Lamoine has lower expected damage per building than 70% of U.S. towns: B+ for hazard risk. 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 Lamoine flood?
Flood insurance has paid 3 claims in Lamoine since 2021, $88K in all, or 2.7 per 1,000 homes, fewer than 54% of U.S. towns with a flood insurance record.
Is Lamoine 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 Lamoine?
FEMA’s Community Rating System list shows no discount for Lamoine’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 Lamoine?
By FEMA money that reached Lamoine, Flooding (2007): $30K to the Town of Lamoine for repairs.
Is Lamoine at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (44%), and Lamoine’s rate for it is higher than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lamoine.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lamoine’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.