Photo: I, the copyright holder of this work, hereby publish it under the following license: · CC BY-SA 3.0Storms, floods and disasters in Saco
Saco isn’t graded for hazard risk: Saco has 140 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 1978.
What Saco 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
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 Saco flood? Rarely: 3 flood claims since 1978
Every paid claim on a federal flood insurance policy in Saco, from FEMA’s records.
Saco isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Phillips County.1 federal disaster brought FEMA money to Saco
Disasters that paid out in Saco itself (aid to households or repair grants to the Town of Saco), newest first, with that year’s flood claims.
- 2011Severe Storms and Flooding7 households applied for aid$8K aid approved
Phillips County has had 7 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 Saco after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Saco archive →Get ready for what Saco 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.
- 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 Saco
Does Saco flood?
Flood insurance has paid 3 claims in Saco since 1978, $12K in all. 1 properties have flooded more than once.
Is Saco 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 Phillips County, 0.3% of all homes carry federal flood insurance.
How much is flood insurance in Saco?
FEMA’s Community Rating System list shows no discount for Saco’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 Saco?
By FEMA money that reached Saco, Severe Storms and Flooding (2011): 7 households applied for aid, $8K approved.
Storm stories
Memories, warnings and help from neighbors in Saco.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Saco’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.