Keystone Mineral Springs · Photo: Magicpiano · CC BY-SA 4.0Less hazard damage per building is expected in Poland than in 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Poland gets an A− for hazard risk: lower expected damage per building than 81% of U.S. towns, #28 of 143 in Maine. Most of that expected damage is river and rain flooding (57%), then hurricanes (25%). FEMA’s files show no paid flood insurance claims here.
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 Poland 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 Poland’s grade
River and rain flooding is 57% of the building damage FEMA expects in Poland, and Poland’s rate of river and rain flooding damage is lower than 82% of U.S. census tracts. Ice storms add 10%, at a rate in the top 3% of U.S. census tracts.
A− #28 of 143 in Maine; lower expected damage per building than 81% of U.S. towns (21,298).
All of Poland’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, Poland has less expected damage per building than 81% of Maine towns.
In dollars, FEMA expects about $1.2M a year in losses across Poland: $936K to buildings, the rest to people and crops.
Does Poland flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Poland. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Poland 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.12 federal disasters brought FEMA money to Poland
Disasters that paid out in Poland itself (aid to households or repair grants to the Town of Poland), newest first, with that year’s flood claims.
- 2023Severe Storm and Flooding13 households applied for aid$10K aid approved
- 2015Severe Winter Storm, Snowstorm, and Flooding$20K to the Town of Poland for repairs
- 2013Severe Winter Storm, Snowstorm, and Flooding$24K to the Town of Poland for repairs
- 2008Severe Winter Storm and Flooding$54K to the Town of Poland for repairs
- 2008Severe Storms, Flooding, and Tornadoes$7K to the Town of Poland for repairs
- 2007Severe Storms and Inland and Coastal Flooding$116K to the Town of Poland for repairs
Show all 12
- 2005Severe Storms, Flooding, Snow Melt, and Ice Jams$48K to the Town of Poland for repairs
- 2005Record Snow$17K to the Town of Poland for repairs
- 2005Snow$16K to the Town of Poland for repairs
- 2005Record And/or Near Record Snow$14K to the Town of Poland for repairs
- 2003Snow$10K to the Town of Poland for repairs
- 2001Snow$18K to the Town of Poland 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 Poland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Poland archive →Poland and its neighbors
Poland is 3rd of the 9 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 |
|---|---|---|---|
| New Gloucester | A−less damage than 85% | river and rain flooding | — |
| Raymond | A−less damage than 82% | river and rain flooding | 2 |
| Poland | A−less damage than 81% | river and rain flooding | 0 |
| Mechanic Falls | A−less damage than 76% | river and rain flooding | 5 |
| Minot | A−less damage than 76% | river and rain flooding | 1 |
| Auburn | A−less damage than 76% | river and rain flooding | 54 |
| Casco | B+less damage than 73% | river and rain flooding | 19 |
| Otisfield | B+less damage than 68% | river and rain flooding | 3 |
| Oxford | B+less damage than 67% | river and rain flooding | 2 |
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 Poland 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 Poland
Is Poland at risk for natural disasters?
On FEMA’s National Risk Index, Poland has lower expected damage per building than 81% of U.S. towns: A− for hazard risk, #28 of 143 in Maine. Most of the expected damage is river and rain flooding (57%) and hurricanes (25%). 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.
Is Poland 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 Poland?
FEMA’s Community Rating System list shows no discount for Poland’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 Poland?
By FEMA money that reached Poland, Severe Storms and Inland and Coastal Flooding (2007): $116K to the Town of Poland for repairs.
Is Poland at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (57%), and Poland’s rate for it is lower than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Poland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Poland’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.