Homeowners Insurance & Natural Hazard Costs in Ellsworth
Ellsworth's hazard profile runs through Maine's real, statewide winter-storm and coastal nor'easter risk, alongside a genuinely favorable statewide insurance-cost backdrop.
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Learn moreReal, disclosed Down East coastal-storm risk
Ellsworth sits several miles inland along the tidal Union River -- a genuine, partial buffer relative to fully exposed coastal towns -- though nearby Bar Harbor recorded its highest water level since 1947 during the real, record-setting January 2024 coastal storms.
Confirm current FEMA flood-zone status directly
This record did not independently confirm a precise, current FEMA flood-zone designation for a specific Ellsworth address this pass -- confirm directly via the FEMA Flood Map Service Center for any Union River-adjacent property.
Maine's genuinely favorable statewide insurance range
No Ellsworth-specific homeowners-insurance premium data was found this pass; Maine's own statewide average ran approximately $1,335-$1,433/year, well below the commonly cited national range.
Key takeaways
- Ellsworth's real, disclosed flood-risk profile is partially buffered by its several-mile inland position along the Union River.
- Confirm current, address-specific FEMA flood-zone status directly given real, disclosed data gaps this pass.
- Maine's statewide homeowners-insurance average runs well below the national range.
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