Photo: Nyttend · Public domainOn FEMA’s figures, Livermore faces less hazard damage per building than 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Livermore gets a B+ for hazard risk: lower expected damage per building than 69% of U.S. towns. Most of that expected damage is river and rain flooding (69%), then hurricanes (20%). Flood insurance has paid 3 claims here since 1987.
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 Livermore 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 Livermore’s grade
River and rain flooding is 69% of the building damage FEMA expects in Livermore, and Livermore’s rate of river and rain flooding damage is lower than 60% of U.S. census tracts. Ice storms add 6%, at a rate in the top 4% of U.S. census tracts.
B+ lower expected damage per building than 69% of U.S. towns (21,298).
All of Livermore’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $701K a year in losses across Livermore: $492K to buildings, the rest to people and crops.
Does Livermore flood? Rarely: 3 flood claims since 1987
Every paid claim on a federal flood insurance policy in Livermore, from FEMA’s records: 2.9 per 1,000 homes, fewer than 53% of the 13,809 U.S. towns with a flood insurance record.
- The December nor’easter1 claim · $6K
Livermore isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Androscoggin County.14 federal disasters brought FEMA money to Livermore
Disasters that paid out in Livermore itself (aid to households or repair grants to the Town of Livermore), newest first, with that year’s flood claims.
- 2023Severe Storm and Flooding8 households applied for aid$19K aid approved$193K to the Town of Livermore for repairs1 flood claim paid that year
- 2015Severe Winter Storm, Snowstorm, and Flooding$10K to the Town of Livermore for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$10K to the Town of Livermore for repairs
- 2008Severe Winter Storm and Flooding$39K to the Town of Livermore for repairs
- 2008Severe Storms, Flooding, and Tornadoes$11K to the Town of Livermore for repairs
- 2007Severe Storms and Inland and Coastal Flooding$68K to the Town of Livermore for repairs
Show all 14
- 2005Severe Storms, Flooding, Snow Melt, and Ice Jams$11K to the Town of Livermore for repairs
- 2005Record Snow$8K to the Town of Livermore for repairs
- 2005Snow$13K to the Town of Livermore for repairs
- 2005Record And/or Near Record Snow$10K to the Town of Livermore for repairs
- 2003Snow$5K to the Town of Livermore for repairs
- 2002Severe Winter Cold and Frost$819 to the Town of Livermore for repairs
- 2001Snow$6K to the Town of Livermore for repairs
- 2000Severe Storms, Flooding, and Ice Jams$4K to the Town of Livermore for repairs
Androscoggin County has had 28 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 Livermore after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Livermore archive →Livermore and its neighbors
Livermore has the lowest expected damage per building of the 7 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Livermore | B+less damage than 69% | river and rain flooding | 3 |
| Turner | B+less damage than 68% | river and rain flooding | 4 |
| Leeds | Bless damage than 63% | river and rain flooding | 1 |
| Livermore Falls | B−less damage than 51% | river and rain flooding | 4 |
| Jay | B−less damage than 51% | river and rain flooding | 1 |
| Hartford | B−more damage than 53% | river and rain flooding | 4 |
| Canton | C+more damage than 59% | river and rain flooding | 61 |
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 Livermore 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 Livermore
Is Livermore at risk for natural disasters?
On FEMA’s National Risk Index, Livermore has lower expected damage per building than 69% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (69%) and hurricanes (20%). 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 Livermore flood?
Flood insurance has paid 3 claims in Livermore since 1987, $9K in all, or 2.9 per 1,000 homes, fewer than 53% of U.S. towns with a flood insurance record. The most claims came from December Nor'easter (1).
Is Livermore 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 Androscoggin County, 35% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Livermore?
FEMA’s Community Rating System list shows no discount for Livermore’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 Livermore?
By FEMA money that reached Livermore, Severe Storm and Flooding (2023): 8 households applied for aid, $19K approved, and $193K to the Town of Livermore for repairs. By flood claims, December Nor'easter: 1 paid, $6K.
Is Livermore at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Livermore’s rate for it is lower than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Livermore.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Livermore’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.