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Flood insurance cost · York County, ME

Flood insurance cost in York County, Maine

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,615 home policies in force on August 31, 2026.

York County, MainePolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,426a year

Half of insured homes paid between $1,052 and $2,466. That is 18% more than the Maine median ($1,204). Most insured homes here are rated in zone AE (53%).

$0$1,052 · $1,426 · $2,466$3,082
+13.6% vs Aug 31, 2025 (median $1,255)
2,615home policies in force
$2,031average cost (mean)
70%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 York County

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		$2,225$1,401–$4,258$3,016288 (11%)+3.9%
Zone AE
High risk		$1,489$1,143–$2,824$2,1651,375 (53%)+12.1%
Zone A
High risk		$769$603–$1,046$87441 (2%)+1.1%
Zone AO
High risk, shallow		$2,836$1,561–$3,874$3,061114 (4%)+15.8%
Zone X
Moderate to low risk		$1,199$745–$1,457$1,357797 (30%)+12.2%

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 York County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,307$1,427$2,054
2–4 unit building137$1,975$2,540
Condo or apartment unit167$1,006$1,328
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.		171$3,465$5,236
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		156$3,779$5,835

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,942NFIP policies in force, any building
3,755insured units (condo association policies count every unit)
74%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: York County

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 force2,7182,615−3.8%
Median annual cost$1,255$1,426+13.6%
Average annual cost$1,841$2,031+10.3%
All policies in force (any building)3,0672,942−4.1%

How many homes have flood insurance?

3.4%of all homes in York County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
82,954residential buildings counted by FEMA
0of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in York County, Maine have filed 2,676 flood claims. 2,014 received a payment, for a total of $44.6 million (an average of $22,121 per paid claim). The year with the most claims was 2024 (497 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 356 claims, 313 paid, $2,413,292 in total19781979: 25 claims, 15 paid, $19,167 in total1980: 17 claims19801983: 14 claims1986: 11 claims1987: 46 claims, 28 paid, $76,114 in total1990: 31 claims, 18 paid, $124,234 in total19901991: 493 claims, 348 paid, $4,424,250 in total19911992: 12 claims1993: 21 claims, 10 paid, $46,886 in total1996: 193 claims, 116 paid, $959,015 in total1998: 22 claims, 15 paid, $100,688 in total20002001: 25 claims, 14 paid, $123,941 in total2005: 15 claims, 11 paid, $101,881 in total2006: 165 claims, 134 paid, $2,375,823 in total2007: 314 claims, 257 paid, $5,288,041 in total2010: 64 claims, 47 paid, $646,612 in total20102013: 26 claims, 19 paid, $456,649 in total2014: 15 claims, 12 paid, $284,590 in total2018: 92 claims, 69 paid, $2,088,262 in total20202022: 117 claims, 87 paid, $3,181,254 in total2024: 497 claims, 426 paid, $21,322,435 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024497426$21,322,435$50,053
202211787$3,181,254$36,566
20189269$2,088,262$30,265
20141512$284,590$23,716
20132619$456,649$24,034
20106447$646,612$13,758
2007314257$5,288,041$20,576
2006165134$2,375,823$17,730
20051511$101,881$9,262
20012514$123,941$8,853
19982215$100,688$6,713
1996193116$959,015$8,267
19932110$46,886$4,689
199212<10––
1991493348$4,424,250$12,713
19903118$124,234$6,902
19874628$76,114$2,718
198611<10––
198314<10––
198017<10––
19792515$19,167$1,278
1978356313$2,413,292$7,710

From 2016 to 2026: 706 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.

ZIP codes in York County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Wells (646 home policies) · York (362 home policies) · Old Orchard Beach (353 home policies) · Kennebunkport (324 home policies) · Biddeford (251 home policies) · Kennebunk (225 home policies)