Flood insurance in Maine: cost by ZIP code and county
Maine has 5,886 single-family flood policies, and the median bill was $1,201 a year on July 31, 2026.
Median single-family flood bill, Maine
$1,201
5,886 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,518 |
| Policies still below their full-risk price | 51 % |
| Median paid in August 2023 | $905 |
| Increase left from the median | 2 renewals at 18 % |
| Next five bills, added up | $7,476 |
| Median claim paid, 2016 to 2025 (722 claims) | $19,223 |
Compiled by Radif Partners · Where the numbers come from · 179 ZIP codes and 16 counties of Maine in FEMA's tables · not a quote
Maine's single-family flood policies had a median cost of $1,201 a year on July 31, 2026, with the premium, Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee all counted. The state has only 5,886 such policies, and one county holds a large share of them: York County, home of Kittery and Old Orchard Beach, with 2,361, about 40 % of the total. York is also where bills are furthest from full price, a median of $1,424 against $3,783 at full risk. Statewide, the full-risk median is $1,518 and 51 % of policies pay less. FEMA rated 52 % of single-family policies as exposed to storm surge and 42 % to coastal erosion, far above the national 8 %. The 578 homes in V zones paid a median $1,658.
York County carries the state
York County has more single-family flood policies than the next five counties combined and most of the claims: 461 paid over 2016 to 2025, out of 722 in the whole state. In FEMA's 2023 table it was also the county with the widest ratio of full-risk to current cost, a rare case where the biggest market and the biggest gap are the same place.
Two in three York policies, 66 %, still pay less than their full-risk premium. From the county median, the 18 % cap on a primary home leaves about 7 renewals before the bill reaches full risk. A summer cottage rated as a non-primary residence goes up by up to 25 % a year instead, with a $250 HFIAA surcharge in place of $25; the second home guide covers that case.
Renewals left for a York County bill
Renewals before your bill reaches the full-risk price
7 renewals
| Renewal 1 (capped) | $1,667 |
| Renewal 2 (capped) | $1,955 |
| Renewal 3 (capped) | $2,293 |
| Renewal 4 (capped) | $2,693 |
The V-zone gap
Maine's V zones, mapped as coastal high hazard areas, show one of the largest gaps of any zone type in any state. Their median bill of $1,658 compares with a full-risk median of $3,761. In A zones the gap is narrower, $1,364 against $1,982, and in X zones it has nearly closed at $874 against $936.
Maine median bill by zone type
Median yearly cost, V zones, Maine
$1,658
| Same zone type, whole country | $1,796 |
| A zones in Maine | $1,364 |
| X, B, C zones in Maine | $874 |
Portland, Knox, Hancock and Oxford
Cumberland County, which includes Portland, had 1,219 policies at a median of $1,009, close to its full-risk median. Knox and Hancock counties paid $1,080 and $893. Oxford County, on the New Hampshire line, recorded 41 paid claims with a median of $40,279, the highest median among the top counties. Lincoln County paid a median $930 and Penobscot County $1,159, while Kennebec County's 215 policies had a full-risk median of $906 against a current median of $878. The one event large enough to stand out in the state's claim file is the December Nor'easter of 2023, with 85 paid single-family claims.
The Maine counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| York County | 2,361 | $1,424 | $3,783 | 66 % | 7 | $986 | $19,683 |
| Cumberland County | 1,219 | $1,009 | $1,126 | 49 % | 1 | $762 | $14,653 |
| Hancock County | 290 | $893 | $951 | 30 % | 1 | $808 | $12,474 |
| Lincoln County | 306 | $930 | $1,037 | 34 % | 1 | $844 | $19,301 |
| Knox County | 287 | $1,080 | $1,143 | 35 % | 1 | $906 | $7,352 |
| Penobscot County | 181 | $1,159 | $1,406 | 47 % | 2 | $874 | n/a |
| Kennebec County | 215 | $878 | $906 | 30 % | 1 | $761 | $18,559 |
| Oxford County | 219 | $1,046 | $1,182 | 37 % | 1 | $912 | $40,279 |
Full-risk prices of Maine homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 1,940 | 36.1 % | $417,912 |
| $1,000 to $2,000 | 1,119 | 20.8 % | $408,812 |
| $2,000 to $3,000 | 536 | 10.0 % | $408,322 |
| $3,000 to $4,000 | 320 | 6.0 % | $406,242 |
| $4,000 to $5,000 | 267 | 5.0 % | $366,849 |
| $5,000 or more | 1,191 | 22.2 % |
The floods that paid the most Maine claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| December Nor'easter | 2023 | 85 | $4,108,429 |