Cumberland County, Maine: hazard risk
FEMA rates Cumberland County's overall risk Relatively Low (score 77.0 of 100, higher than 76% of rated U.S. counties); 3 of its 16 hazards are rated Relatively High or Very High, led by winter weather, ice storm, lightning. Its storm record holds 1,360 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Winter Weather | Very High | 99.0 | $3.4M |
| Ice Storm | Very High | 98.2 | $5.7M |
| Lightning | Relatively High | 85.0 | $1.8M |
| Hurricane | Relatively Moderate | 90.7 | $16M |
| Coastal Flooding | Relatively Moderate | 78.4 | $3.7M |
| Strong Wind | Relatively Moderate | 77.4 | $2.2M |
| Hail | Relatively Moderate | 76.0 | $1.4M |
| Earthquake | Relatively Low | 81.1 | $3.4M |
| Riverine Flooding | Relatively Low | 72.3 | $27M |
| Landslide | Relatively Low | 63.2 | $6K |
| Cold Wave | Relatively Low | 60.7 | $2.7M |
| Heat Wave | Relatively Low | 59.2 | $1.0M |
| Drought | Relatively Low | 41.0 | $136K |
| Wildfire | Very Low | 38.9 | $45K |
| Tornado | Very Low | 25.5 | $703K |
| Avalanche | Very Low | 5.1 | $4 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Winter storms | 402 | 0 | $95M | 5th of 16 | 450th of 3,077 |
| Severe thunderstorm wind | 320 | 1 | $1.6M | 2nd of 16 | 1669th of 3,080 |
| Floods | 160 | 1 | $91M | 1st of 16 | 485th of 3,080 |
| Hail | 147 | 0 | – | 1st of 16 | 1976th of 3,080 |
| High wind and dust storms | 135 | 3 | $3.1M | 5th of 16 | 402nd of 3,080 |
| Drought | 54 | 0 | $3.6M | 6th of 16 | 1452nd of 3,063 |
| Extreme cold | 47 | 0 | – | 7th of 16 | 925th of 3,076 |
| Lightning | 42 | 2 | $2.9M | 1st of 16 | 124th of 3,080 |
| Hurricanes and tropical storms | 22 | 0 | $699K | 2nd of 16 | 301st of 1,849 |
| Tornadoes | 13 | 0 | $80K | 1st of 16 | 2300th of 3,080 |
| Heat | 6 | 0 | – | 9th of 16 | 2020th of 3,076 |
| Rip currents and high surf | 5 | 0 | $109K | 2nd of 16 | 128th of 2,080 |
| Heavy rain | 4 | 0 | – | 6th of 16 | 1802nd of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Cumberland County record: every hazard by year and month, the deadliest events and FEMA's declarations.