Homeowners Insurance & Natural Hazard Costs in Wells
Wells's hazard profile runs through a real, direct coastal-storm and flood-surge exposure given its seven miles of open-Atlantic beach frontage.
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Learn moreReal, direct open-Atlantic coastal exposure
Wells's seven miles of coastline (Wells Beach, Crescent Beach, Drakes Island Beach, Moody Beach) carry a real, direct coastal-storm and flood-surge exposure -- more direct than Maine towns set further inland.
A partial, real buffer from the Estuarine Reserve
The Wells National Estuarine Research Reserve's protected salt-marsh and tidal-freshwater-marsh habitat helps buffer storm impact in part, per the Reserve's own conservation mission -- a real, if partial, natural mitigation.
A likely premium above Maine's statewide insurance average
Maine's own statewide homeowners-insurance average ran approximately $1,335-$1,433/year, though a Wells oceanfront property likely carries a real, meaningful premium above that statewide figure.
Key takeaways
- Wells's seven miles of open-Atlantic beach frontage carry real, direct coastal-storm and flood-surge exposure.
- The Wells National Estuarine Research Reserve offers a real, partial natural storm buffer.
- A Wells oceanfront property likely carries a real premium above Maine's statewide insurance average.
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