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Flood insurance cost · ME

Flood insurance cost in Maine

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,307 home policies in force on August 31, 2026.

MainePolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,204a year

Half of insured homes paid between $754 and $1,664. That is 11% more than the national median ($1,082). The most common flood zone for insured homes here is zone AE (43%).

$0$754 · $1,204 · $1,664$2,080
+9.1% vs Aug 31, 2025 (median $1,104)
6,307home policies in force
$1,584average cost (mean)
60%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Maine

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,644$1,172–$3,245$2,395632 (10%)+9.1%
Zone AE
High risk		$1,409$999–$2,249$1,8902,685 (43%)+10.2%
Zone A
High risk		$912$703–$1,346$1,120344 (5%)+2.5%
Zone AO
High risk, shallow		$2,775$1,512–$3,759$2,981120 (2%)+13.5%
Zone X
Moderate to low risk		$862$607–$1,310$1,0522,525 (40%)+3.1%

Not shown (fewer than 10 home policies): AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Maine, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,722$1,203$1,574
2–4 unit building231$1,698$2,299
Manufactured (mobile) home55$1,211$1,338
Condo or apartment unit299$951$1,264
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		259$3,604$5,738
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		636$3,067$5,044
7,202NFIP policies in force, any building
8,294insured units (condo association policies count every unit)
71%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Maine

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force6,5566,307−3.8%
Median annual cost$1,104$1,204+9.1%
Average annual cost$1,457$1,584+8.7%
All policies in force (any building)7,4847,202−3.8%

Flood claims history

Since 1978, NFIP policyholders in Maine have filed 5,672 flood claims. 4,154 received a payment, for a total of $87.1 million (an average of $20,963 per paid claim). The year with the most claims was 2024 (744 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 506 claims, 436 paid, $3,067,394 in total1979: 195 claims, 143 paid, $491,052 in total1980: 53 claims, 25 paid, $64,879 in total19801981: 43 claims, 27 paid, $72,660 in total1982: 41 claims, 24 paid, $85,904 in total1983: 152 claims, 102 paid, $617,414 in total1984: 86 claims, 52 paid, $181,100 in total1986: 95 claims, 48 paid, $156,623 in total1987: 584 claims, 507 paid, $10,142,259 in total19871989: 40 claims, 23 paid, $103,554 in total1990: 67 claims, 34 paid, $225,581 in total19901991: 597 claims, 411 paid, $5,214,320 in total19911992: 30 claims, 10 paid, $70,662 in total1993: 79 claims, 53 paid, $267,612 in total1994: 63 claims, 50 paid, $1,205,691 in total1996: 281 claims, 173 paid, $1,921,926 in total1997: 41 claims, 27 paid, $359,035 in total1998: 94 claims, 63 paid, $669,801 in total1999: 17 claims2000: 21 claims, 16 paid, $54,988 in total20002001: 32 claims, 16 paid, $126,391 in total2002: 12 claims2003: 47 claims, 33 paid, $337,127 in total2005: 105 claims, 74 paid, $507,446 in total2006: 181 claims, 144 paid, $2,617,191 in total2007: 419 claims, 331 paid, $6,974,259 in total2008: 136 claims, 111 paid, $2,541,225 in total2009: 32 claims, 16 paid, $191,918 in total2010: 116 claims, 85 paid, $997,633 in total20102011: 38 claims, 23 paid, $451,312 in total2012: 47 claims, 23 paid, $534,203 in total2013: 35 claims, 23 paid, $475,663 in total2014: 41 claims, 23 paid, $679,868 in total2015: 13 claims2016: 11 claims2017: 18 claims, 11 paid, $412,903 in total2018: 133 claims, 101 paid, $3,007,424 in total2019: 23 claims, 16 paid, $317,856 in total2020: 12 claims20202022: 142 claims, 102 paid, $3,559,148 in total2023: 207 claims, 170 paid, $8,225,710 in total2024: 744 claims, 583 paid, $29,401,445 in total2024
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (42)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024744583$29,401,445$50,431
2023207170$8,225,710$48,387
2022142102$3,559,148$34,894
202012<10––
20192316$317,856$19,866
2018133101$3,007,424$29,776
20171811$412,903$37,537
201611<10––
201513<10––
20144123$679,868$29,559
20133523$475,663$20,681
20124723$534,203$23,226
20113823$451,312$19,622
201011685$997,633$11,737
20093216$191,918$11,995
2008136111$2,541,225$22,894
2007419331$6,974,259$21,070
2006181144$2,617,191$18,175
200510574$507,446$6,857
20034733$337,127$10,216
200212<10––
20013216$126,391$7,899
20002116$54,988$3,437
199917<10––
19989463$669,801$10,632
19974127$359,035$13,298
1996281173$1,921,926$11,109
19946350$1,205,691$24,114
19937953$267,612$5,049
19923010$70,662$7,066
1991597411$5,214,320$12,687
19906734$225,581$6,635
19894023$103,554$4,502
1987584507$10,142,259$20,004
19869548$156,623$3,263
19848652$181,100$3,483
1983152102$617,414$6,053
19824124$85,904$3,579
19814327$72,660$2,691
19805325$64,879$2,595
1979195143$491,052$3,434
1978506436$3,067,394$7,035

From 2016 to 2026: 1,290 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Maine

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Aroostook County89$1,076
Franklin County80$1,437
Piscataquis County43$1,006
Washington County94$968

ZIP codes with the most insured homes