Maine Home-Insurance Distress by County

Home-insurance distress across Maine is well above the national norm: 16 counties average 47/100, 15th of 52 states.

Maine's reading rests on a FEMA hazard average of 40/100 and NFIP flood-claim stress of 61/100.

Over three years Maine counties filed 751 NFIP flood claims, $29,520,522 paid.

Highest in Maine: Waldo County 66/100 (#742 US), Hancock County 66/100 (#748 US), York County 62/100 (#849 US), Lincoln County 61/100 (#868 US), Knox County 61/100 (#885 US).

Maine counties by insurance band: 11 medium (Maine), 5 low; Maine NFIP claims, three years: 751; Maine payouts $29.5 million.

Maine counties with the most NFIP claims: York 500 ($21.4 million); Cumberland 86 ($2.2 million); Lincoln 58 ($2.4 million) in Maine; Hancock 33 ($866,480); Knox 27 ($1.3 million).

Maine county average fell: 53.9 in March 2026; Maine reads 50.6 in October 2026; Maine by month: March 53.9, April 53.9, May 51.3 (Maine), June 51.3, July 49.6, August 48.2 (Maine), September 47.9, October 50.6.

Highest Maine ZIPs, insurance distress: 03064 0 (climate 91), 03033 0 (climate 91) in Maine, 03440 0 (climate 91), 03070 0 (climate 91) in Maine, 03060 0 (climate 91), 03104 0 (climate 91) in Maine.

Reading the Maine bands: 0 of 16 Maine counties sit in a high or worse insurance band; Maine filed 751 NFIP claims in three years, $29.5 million paid to Maine policyholders; a Maine county's band moves when FEMA hazard revisions, new Maine NFIP settlements or carrier filings change its monthly score.