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Home insurance costs & natural hazards in Maine

Plain facts for Maine homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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Maine at a glance

Four numbers most homeowners ask about first.

$1,149
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$1,505
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.54%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

0 of 16
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Maine in numbers
1.4M
residents (2020 Census)
2.3%
of policies had a paid claim (2022, median ZIP)
$8,576
average paid claim (2022, median ZIP)
6,017
single-family NFIP flood policies (2025)

What homeowners in Maine pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Maine ZIP code saw homeowners premiums of $1,149 per policy in 2022, 26% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 5% between 2018 and 2022. The figures come from 396 Maine ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
MaineU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 6,017 single-family NFIP policies took effect in Maine in 2025, at an average full cost of $1,505, compared with $1,125 in 2022. About 59% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

6,017 policies
A zones 49%X/B/C zones 41%V zones 10%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Maine's 16 counties FEMA rates relatively high or very high for each hazard. The most widespread are ice storm, winter weather and lightning. Open any county for its full hazard profile.

How the ratings work

Hazards across Maine's counties

Counties FEMA rates relatively high or very high

Maine counties

All 16 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

CountyPremiumFloodFEMA rating
Androscoggin County$1,109$1,044Relatively Low
Aroostook County$1,036$1,060Relatively Low
Cumberland County$1,375$1,288Relatively Low
Franklin County$1,127$1,627Relatively Low
Hancock County$1,550$1,086Relatively Low
Kennebec County$1,137$1,031Relatively Low
Knox County$1,462$1,210Very Low
Lincoln County$1,454$1,122Very Low
Oxford County$1,170$1,273Relatively Low
Penobscot County$1,041$1,280Relatively Low
Piscataquis County$1,115$1,163Relatively Low
Sagadahoc County$1,207$1,056Very Low
Somerset County$1,087$1,674Relatively Low
Waldo County$1,139$1,060Very Low
Washington County$1,165$1,123Relatively Low
York County$1,154$1,936Relatively Moderate

ZIP codes with the most flood policies

Practical next steps

Simple things Maine homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.