Homeowners Insurance & Natural Hazard Costs in Saco
Saco's hazard profile is dominated by Camp Ellis's real, genuinely severe, documented coastal-erosion history, alongside Maine's own favorable statewide insurance picture.
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Learn moreA real, severe erosion history at Camp Ellis
38 homes have been lost to the sea at Camp Ellis over the last century, with approximately 400 feet of shoreline recession and major storm damage in 2007, 2023, and 2024.
A real, current 2026 mitigation project
The U.S. Army Corps of Engineers broke ground on a new Camp Ellis spur jetty on June 30, 2026, with up to $45 million potentially authorized for a permanent solution.
Maine's genuinely favorable statewide insurance range
No Saco-specific premium figure was found this pass; Maine's own statewide average ran approximately $1,335-$1,433/year, well below the national comparison figure, though Camp Ellis-area properties carry real, elevated exposure.
Key takeaways
- Camp Ellis carries real, severe, documented coastal-erosion exposure.
- A real, current federal mitigation project (a new spur jetty) broke ground in June 2026.
- Confirm current, address-specific flood/erosion insurance data directly for any Camp Ellis-area property.
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