Storms, floods and disasters in Winn
Winn isn’t graded for hazard risk: Winn has 287 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2011.
What Winn 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
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.
Does Winn flood? Rarely: 1 flood claim since 2011
Every paid claim on a federal flood insurance policy in Winn, from FEMA’s records.
Winn isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Penobscot County.The storms Winn remembers
None of the 18 disasters declared for Penobscot County shows FEMA aid or repair money reaching Winn itself in FEMA’s records, so these are its biggest flood-claim years.
- 20111 flood claims paidNo declaration for the county that year
Penobscot County has had 18 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Winn after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Winn archive →Winn and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Lincoln | A−less damage than 84% | river and rain flooding | 1 |
| Webster plantation | — | 85 residents; we grade 1,000+ | |
| Lee | — | 925 residents; we grade 1,000+ | |
| Mattawamkeag | — | 698 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 Winn 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.
- 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 Winn
Does Winn flood?
Flood insurance has paid 1 claim in Winn since 2011, $4K in all.
Is Winn 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 Penobscot County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Winn?
FEMA’s Community Rating System list shows no discount for Winn’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Winn.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Winn’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.