Photo: Lvklock · CC BY-SA 4.0Stockton Springs’s building-damage rate from ice storms is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Stockton Springs gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns. Most of that expected damage is river and rain flooding (50%), then hurricanes (29%). Flood insurance has paid 2 claims here since 1978.
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 Stockton Springs 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 Stockton Springs’ grade
River and rain flooding is 50% of the building damage FEMA expects in Stockton Springs, and Stockton Springs’ rate of river and rain flooding damage is lower than 76% of U.S. census tracts. Ice storms add 10%, at a rate in the top 2% of U.S. census tracts.
B lower expected damage per building than 62% of U.S. towns (21,298).
All of Stockton Springs’ residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $495K a year in losses across Stockton Springs: $356K to buildings, the rest to people and crops.
Does Stockton Springs flood? Rarely: 2 flood claims since 1978
Every paid claim on a federal flood insurance policy in Stockton Springs, from FEMA’s records: 2.0 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.
Stockton Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Waldo County.6 federal disasters brought FEMA money to Stockton Springs
Disasters that paid out in Stockton Springs itself (aid to households or repair grants to the Town of Stockton Springs), newest first, with that year’s flood claims.
- 2009Severe Storms, Flooding, and Landslides$55K to the Town of Stockton Springs for repairs
- 2008Severe Winter Storm and Flooding$20K to the Town of Stockton Springs for repairs
- 2008Severe Storms and Flooding$10K to the Town of Stockton Springs for repairs
- 2007Flooding$14K to the Town of Stockton Springs for repairs
- 2005Severe Storms, Flooding, Snow Melt, and Ice Jams$36K to the Town of Stockton Springs for repairs
- 2003Severe Storms, Flooding, Snow Melt and Ice Jams$3K to the Town of Stockton Springs for repairs
Waldo County has had 22 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Stockton Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stockton Springs archive →Stockton Springs and its neighbors
Stockton Springs 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 |
|---|---|---|---|
| Castine | Aless damage than 88% | hurricanes | 4 |
| Penobscot | Aless damage than 88% | hurricanes | 2 |
| Searsport | Bless damage than 62% | river and rain flooding | 1 |
| Stockton Springs | Bless damage than 62% | river and rain flooding | 2 |
| Verona Island | — | 481 residents; we grade 1,000+ | |
| Prospect | — | 923 residents; we grade 1,000+ | |
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 Stockton Springs 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 Stockton Springs
Is Stockton Springs at risk for natural disasters?
On FEMA’s National Risk Index, Stockton Springs has lower expected damage per building than 62% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (50%) and hurricanes (29%). 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 Stockton Springs flood?
Flood insurance has paid 2 claims in Stockton Springs since 1978, $14K in all, or 2.0 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record.
Is Stockton Springs 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 Waldo County, 29% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Stockton Springs?
FEMA’s Community Rating System list shows no discount for Stockton Springs’ 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 Stockton Springs?
By FEMA money that reached Stockton Springs, Severe Storms, Flooding, and Landslides (2009): $55K to the Town of Stockton Springs for repairs.
Is Stockton Springs at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (50%), and Stockton Springs’ rate for it is lower than 76% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stockton Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stockton Springs’ 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.