Old Grist Mill · Photo: Magicpiano · CC BY-SA 3.0Lebanon’s building-damage rate from ice storms is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Lebanon gets a B for hazard risk: lower expected damage per building than 65% of U.S. towns, #92 of 143 in Maine. Most of that expected damage is river and rain flooding (65%), then hurricanes (23%). Flood insurance has paid 7 claims here since 2006.
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 Lebanon 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 Lebanon’s grade
River and rain flooding is 65% of the building damage FEMA expects in Lebanon, and Lebanon’s rate of river and rain flooding damage is lower than 61% of U.S. census tracts. Ice storms add 6%, at a rate in the top 4% of U.S. census tracts.
B #92 of 143 in Maine; lower expected damage per building than 65% of U.S. towns (21,298).
All of Lebanon’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, Lebanon has more expected damage per building than 64% of Maine towns.
In dollars, FEMA expects about $1.6M a year in losses across Lebanon: $1.4M to buildings, the rest to people and crops.
Does Lebanon flood? Rarely: 7 flood claims since 2006
Every paid claim on a federal flood insurance policy in Lebanon, from FEMA’s records: 2.6 per 1,000 homes, fewer than 55% of the 13,809 U.S. towns with a flood insurance record.
- The April 2007 nor’easter2 claims · $7K
Lebanon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: York County.18 federal disasters brought FEMA money to Lebanon
Disasters that paid out in Lebanon itself (aid to households or repair grants to the Town of Lebanon), newest first, with that year’s flood claims.
- 2024Severe Winter Storm$51K to the Town of Lebanon for repairs
- 2024Severe Storms and Flooding4 households applied for aid$300 aid approved
- 2017Severe Storm and Flooding$9K to the Town of Lebanon for repairs
- 2015Severe Winter Storm, Snowstorm, and Flooding$10K to the Town of Lebanon for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$34K to the Town of Lebanon for repairs
- 2011Tropical Storm Irene$23K to the Town of Lebanon for repairs1 flood claim paid that year
Show all 18
- 2010Severe Storms and Flooding$19K to the Town of Lebanon for repairs
- 2010Severe Winter Storm$17K to the Town of Lebanon for repairs
- 2008Severe Winter Storm and Flooding$70K to the Town of Lebanon for repairs
- 2008Severe Storms, Flooding, and Tornadoes$186K to the Town of Lebanon for repairs
- 2007Severe Storms and Inland and Coastal Flooding51 households applied for aid$61K aid approved$817K to the Town of Lebanon for repairs2 flood claims paid that year
- 2006Severe Storms and Flooding44 households applied for aid$45K aid approved$181K to the Town of Lebanon for repairs3 flood claims paid that year
- 2005Severe Storms, Flooding, Snow Melt, and Ice Jams$21K to the Town of Lebanon for repairs
- 2005Snow$19K to the Town of Lebanon for repairs
- 2005Record And/or Near Record Snow$14K to the Town of Lebanon for repairs
- 2005Record And/or Near Record Snow$12K to the Town of Lebanon for repairs
- 2001Severe Winter Storms and Flooding$138K to the Town of Lebanon for repairs
- 2001Snow$24K to the Town of Lebanon for repairs
York County has had 35 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 Lebanon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lebanon archive →Lebanon and its neighbors
Lebanon is 4th of the 7 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 |
|---|---|---|---|
| Acton | A−less damage than 81% | river and rain flooding | 10 |
| Sanford | A−less damage than 77% | river and rain flooding | 25 |
| North Berwick | A−less damage than 75% | river and rain flooding | 7 |
| Lebanon | Bless damage than 65% | river and rain flooding | 7 |
| Berwick | Bless damage than 62% | river and rain flooding | 10 |
| Milton | Bless damage than 61% | river and rain flooding | 15 |
| Rochester | Bless damage than 56% | river and rain flooding | 15 |
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 Lebanon 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 Lebanon
Is Lebanon at risk for natural disasters?
On FEMA’s National Risk Index, Lebanon has lower expected damage per building than 65% of U.S. towns: B for hazard risk, #92 of 143 in Maine. Most of the expected damage is river and rain flooding (65%) and hurricanes (23%). 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 Lebanon flood?
Flood insurance has paid 7 claims in Lebanon since 2006, $92K in all, or 2.6 per 1,000 homes, fewer than 55% of U.S. towns with a flood insurance record. The most claims came from April 2007 Nor'easter (2).
Is Lebanon 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 York County, 3.4% of all homes carry federal flood insurance.
How much is flood insurance in Lebanon?
FEMA’s Community Rating System list shows no discount for Lebanon’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 Lebanon?
By FEMA money that reached Lebanon, Severe Storms and Inland and Coastal Flooding (2007): 51 households applied for aid, $61K approved, and $817K to the Town of Lebanon for repairs. By flood claims, April 2007 Nor'easter: 2 paid, $7K.
Is Lebanon at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Lebanon’s rate for it is lower than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lebanon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lebanon’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.