Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Maine
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Maine ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Androscoggin County | $487 | Relatively Low | $232,000 |
| 2 | Cumberland County | $532 | Relatively Low | $411,400 |
| 3 | Sagadahoc County | $593 | Very Low | $300,200 |
| 4 | York County | $617 | Relatively Moderate | $357,200 |
| 5 | Penobscot County | $635 | Relatively Low | $193,800 |
| 6 | Knox County | $652 | Very Low | $290,800 |
| 7 | Lincoln County | $662 | Very Low | $306,200 |
| 8 | Kennebec County | $695 | Relatively Low | $219,900 |
| 9 | Waldo County | $769 | Very Low | $239,100 |
| 10 | Washington County | $770 | Relatively Low | $147,100 |
| 11 | Hancock County | $799 | Relatively Low | $278,400 |
| 12 | Oxford County | $945 | Relatively Low | $192,300 |
| 13 | Franklin County | $1,085 | Relatively Low | $176,700 |
| 14 | Somerset County | $1,158 | Relatively Low | $155,200 |
| 15 | Aroostook County | $1,173 | Relatively Low | $131,700 |
| 16 | Piscataquis County | $2,029 | Relatively Low | $153,300 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Maine