Sunnycroft · Photo: Magicpiano · CC BY-SA 3.0Less hazard damage per building is expected in Limerick than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Limerick gets an A for hazard risk: lower expected damage per building than 88% of U.S. towns, #5 of 143 in Maine. Most of that expected damage is river and rain flooding (62%), then hurricanes (23%). Flood insurance has paid 1 claim here since 2014.
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 Limerick 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 Limerick’s grade
River and rain flooding is 62% of the building damage FEMA expects in Limerick, and Limerick’s rate of river and rain flooding damage is lower than 84% of U.S. census tracts. Ice storms add 8%, at a rate in the top 4% of U.S. census tracts.
A #5 of 143 in Maine; lower expected damage per building than 88% of U.S. towns (21,298).
All of Limerick’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, Limerick has less expected damage per building than 97% of Maine towns.
In dollars, FEMA expects about $505K a year in losses across Limerick: $391K to buildings, the rest to people and crops.
Does Limerick flood? Rarely: 1 flood claim since 2014
Every paid claim on a federal flood insurance policy in Limerick, from FEMA’s records: 0.6 per 1,000 homes, fewer than 86% of the 13,809 U.S. towns with a flood insurance record.
Limerick 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.7 federal disasters brought FEMA money to Limerick
Disasters that paid out in Limerick itself (aid to households or repair grants to the Town of Limerick), newest first, with that year’s flood claims.
- 2024Severe Winter Storm$44K to the Town of Limerick for repairs
- 2017Severe Storm and Flooding$8K to the Town of Limerick for repairs
- 2011Tropical Storm Irene$13K to the Town of Limerick for repairs
- 2008Severe Winter Storm and Flooding$23K to the Town of Limerick for repairs
- 2007Severe Storms and Inland and Coastal Flooding21 households applied for aid$45K aid approved$58K to the Town of Limerick for repairs
- 2006Severe Storms and Flooding3 households applied for aid$14K aid approved$6K to the Town of Limerick for repairs
Show all 7
- 2005Severe Storms, Flooding, Snow Melt, and Ice Jams$8K to the Town of Limerick 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 Limerick after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Limerick archive →Limerick and its neighbors
Limerick has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Limerick | Aless damage than 88% | river and rain flooding | 1 |
| Newfield | A−less damage than 81% | river and rain flooding | — |
| Limington | A−less damage than 76% | river and rain flooding | 3 |
| Waterboro | B+less damage than 73% | river and rain flooding | 4 |
| Cornish | Bless damage than 57% | river and rain flooding | — |
| Parsonsfield | Bless damage than 57% | river and rain flooding | 1 |
| Lake Arrowhead | — | a Census area inside a town; graded with the town | |
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 Limerick 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 Limerick
Is Limerick at risk for natural disasters?
On FEMA’s National Risk Index, Limerick has lower expected damage per building than 88% of U.S. towns: A for hazard risk, #5 of 143 in Maine. Most of the expected damage is river and rain flooding (62%) 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 Limerick flood?
Flood insurance has paid 1 claim in Limerick since 2014, $9K in all, or 0.6 per 1,000 homes, fewer than 86% of U.S. towns with a flood insurance record.
Is Limerick 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 Limerick?
FEMA’s Community Rating System list shows no discount for Limerick’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 Limerick?
By FEMA money that reached Limerick, Severe Storms and Inland and Coastal Flooding (2007): 21 households applied for aid, $45K approved, and $58K to the Town of Limerick for repairs.
Is Limerick at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (62%), and Limerick’s rate for it is lower than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Limerick.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Limerick’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.