Cumberland County, ME flood risk explained
Flood hazard in Cumberland County sits at the 78.4th national percentile, a middling flood hazard by national standards; split between inland river flooding (about 2 times a year) and coastal storm surge (about 8.2 times a year). That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Cumberland County
FEMA hasn't published a residential structure count for Cumberland County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 1.3% of all residential structures in Cumberland County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Cumberland County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Cumberland County ranks 706 — 1 being the highest hazard nationally — and 235 by population among all 3144 counties covered here, where 1 is the largest. Cumberland County, Maine is home to about 313,809 people across 836.231 square miles of land.
Your street may differ from Cumberland County's average
FEMA counts 100,401 residential structures in Cumberland County overall, 1,320 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Cumberland County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Cumberland County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.