Lincoln County, ME flood risk explained
Flood hazard in Lincoln County sits at the 69.8th national percentile, a middling flood hazard by national standards; driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 8.5 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.
Lincoln County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Lincoln County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 40.3% of them do — 158 active policies against 392 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 1.6% of all residential structures in Lincoln County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Lincoln County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Lincoln County ranks 992 — 1 being the highest hazard nationally — and 1283 by population among all 3144 counties covered here, where 1 is the largest. About 36,491 people live in Lincoln County, Maine, spread over 455.867 square miles.
Your street may differ from Lincoln County's average
321 of Lincoln County's 19,634 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Lincoln County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Lincoln County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.