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Home insurance costs & natural hazards in Rhode Island

Plain facts for Rhode Island homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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Rhode Island at a glance

Four numbers most homeowners ask about first.

$2,001
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$1,341
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.15%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

0 of 5
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Rhode Island in numbers
1.1M
residents (2020 Census)
4.6%
of policies had a paid claim (2022, median ZIP)
$14,493
average paid claim (2022, median ZIP)
7,632
single-family NFIP flood policies (2025)

What homeowners in Rhode Island pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Rhode Island ZIP code saw homeowners premiums of $2,001 per policy in 2022, 29% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 4% between 2018 and 2022. The figures come from 74 Rhode Island ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
Rhode IslandU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 7,632 single-family NFIP policies took effect in Rhode Island in 2025, at an average full cost of $1,341, compared with $1,255 in 2022. About 65% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

7,632 policies
A zones 53%X/B/C zones 35%V zones 12%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Rhode Island's 5 counties FEMA rates relatively high or very high for each hazard. The most widespread are cold wave, heat wave and ice storm. Open any county for its full hazard profile.

How the ratings work

Hazards across Rhode Island's counties

Counties FEMA rates relatively high or very high

Rhode Island counties

All 5 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

Typical home premium by county, 2022

Tap a county to open its page. White = not enough data.
Bristol County: $2,279Kent County: $1,921Newport County: $2,823Providence County: $1,945Washington County: $2,096
under $1,945$1,945–$2,096$2,096–$2,279$2,279–$2,823$2,823+
CountyPremiumFloodFEMA rating
Bristol County$2,279$1,413Very Low
Kent County$1,921$1,255Relatively Low
Newport County$2,823$1,228Very Low
Providence County$1,945$1,239Relatively Moderate
Washington County$2,096$1,409Relatively Low

ZIP codes with the most flood policies

02806 Barrington02882 Narragansett02891 Westerly02879 Wakefield02889 Warwick02871 Portsmouth02852 North Kingstown02840 Newport02809 Bristol02818 East Greenwich02885 Warren02835 Jamestown

Practical next steps

Simple things Rhode Island homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.