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Hello All,
In your experience or field of knowledge, would there be any reason for us to be concerned about buying a home along or near the coast; probably around St George or Owls Head area in regards to Hurricane activity & safety? I believe there have been a few that have made their way up there in the past.
Also, are you aware of any insurance ramifications involved in living near the coast. For example, here in California, earthquake insurance used to be available. Then, in the past 15~20 years, we had a couple larger quakes, and that type of insurance became prohibitively expensive. Were talking deductibles of greater than $50,000, and annual premiums in the $$$$'s. Needless to say, most homeowners that I know of no longer are able to afford this type of coverage.
So I was wondering if a similar situation might exist there along the coast.
Thanks again. We are looking forward to a visit to the mid-coast area next week to check out the housing and lay of the lands in greater detail! Can't wait!
Hello All,
In your experience or field of knowledge, would there be any reason for us to be concerned about buying a home along or near the coast; probably around St George or Owls Head area in regards to Hurricane activity & safety? I believe there have been a few that have made their way up there in the past.
Also, are you aware of any insurance ramifications involved in living near the coast. For example, here in California, earthquake insurance used to be available. Then, in the past 15~20 years, we had a couple larger quakes, and that type of insurance became prohibitively expensive. Were talking deductibles of greater than $50,000, and annual premiums in the $$$$'s. Needless to say, most homeowners that I know of no longer are able to afford this type of coverage.
So I was wondering if a similar situation might exist there along the coast.
Thanks again. We are looking forward to a visit to the mid-coast area next week to check out the housing and lay of the lands in greater detail! Can't wait!
Hurricanes come through occasionally. By the time they get up this way, Long Island has usually knocked the punch out of them. They are lucky to still be at hurricane strength.
In the St. George area, you won't need to worry about a hurricane, unless your house is on pilings in the river.
Location: 3.5 sq mile island ant nest next to Canada
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No earthquakes to worry about here but Maine Yankee had an earthquake plan back in the day. I seem to remember a tremor in Bar Harbor a few years back though. And like AustinB say, hurricanes get the oomph taken out by NY and the Cape before they get this farr up and then our islands generally knock out some more.
Depending on where on the coast you buy you may have to get flood insurance. Eastport generally has velocity hazard for flood. Not sure about other places. Velocity hazard is just another way of saying the waves whip up good in a big windstorm or Nor'easter.
When I asked him why we didn't have a house on the coast, he said it's rough on a house and cars when you live too near the water (salt in the air especially).
Keep that in mind.
Also think about how being near the water will affect a private septic system, if you have one.
Despite my Dad's long-ago advice, I am thinking of a house on waterfront property, but I won't do it unless I'm positive the home will be high enough for it and its systems to be safe from flooding.
As for salt air corroding my car and home eletronics, etc., I guess I'll just have to deal with that.
When I asked him why we didn't have a house on the coast, he said it's rough on a house and cars when you live too near the water (salt in the air especially).
Keep that in mind.
Also think about how being near the water will affect a private septic system, if you have one.
Despite my Dad's long-ago advice, I am thinking of a house on waterfront property, but I won't do it unless I'm positive the home will be high enough for it and its systems to be safe from flooding.
As for salt air corroding my car and home eletronics, etc., I guess I'll just have to deal with that.
Septic systems are designed so that the water isn't damaged by them. You have nothing to fear by having a septic near water, fresh or salt.
You get more salt off the roads, than you do from the salt air.
When I asked him why we didn't have a house on the coast, he said it's rough on a house and cars when you live too near the water (salt in the air especially).
Bah, in Maine it is either the minute salt in the air, or the vast amounts on the road that does in a vehicle. Usually the stuff they use on the roads will kill off a vehicle MANY times faster than the tiny amount that may be in the air along the Coast.
As for Hurricanes and the State, there has been a few that has caused damage through the years. Last I remember was Bob back in the early 90's that dumped a bunch of rain and did around 25-30 million in damage. I think it rained somewhere around 8" in Portland if I remember right. It had been downgraded to a tropical storm by the time it reached Maine. Before Bob there had been a few that was still a cat 1 hurricane when they reached Maine if I remember right. Gloria back in the mid 80's and a few scattered further back than that.
Earthquakes in Maine. Believe it or not, there have been a few VERY small ones through the years. A couple that were over 7.0 in the region, but were actually in Canada and happened back in the 1920's according to the USGS.
There have been 3 twisters over the last 5 years in these parts with no injuries and little damage. Hurricanes are pretty much nonexistent. Hurricane Facts
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