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Flood insurance cost · Kent County, RI

Flood insurance cost in Kent County, Rhode Island

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,141 home policies in force on August 31, 2026.

Kent County, Rhode IslandPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,161a year

Half of insured homes paid between $817 and $1,579. That is 4% less than the Rhode Island median ($1,204). Most insured homes here are rated in zone AE (53%).

$0$817 · $1,161 · $1,579$1,974
+10.5% vs Aug 31, 2025 (median $1,051)
1,141home policies in force
$1,318average cost (mean)
65%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in Kent County

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$2,064$1,395–$2,671$2,156108 (9%)+9.0%
Zone AE
High risk		$1,248$923–$1,757$1,418601 (53%)+3.5%
Zone A
High risk		$882$709–$1,305$1,05130 (3%)−1.3%
Zone X
Moderate to low risk		$960$633–$1,205$960398 (35%)+7.5%

Not shown (fewer than 10 home policies): AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Kent County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,060$1,152$1,303
2–4 unit building55$1,644$1,880
Condo or apartment unit25$578$669
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		22$3,431$5,708
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		97$2,579$3,650

Not shown (fewer than 10 policies): manufactured (mobile) home.

1,260NFIP policies in force, any building
1,341insured units (condo association policies count every unit)
60%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Kent County

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force1,1861,141−3.8%
Median annual cost$1,051$1,161+10.5%
Average annual cost$1,236$1,318+6.6%
All policies in force (any building)1,3041,260−3.4%

How many homes have flood insurance?

2.2%of all homes in Kent County have an NFIP policy
48.3%of homes in high-risk zones (special flood hazard area) have one
53,509residential buildings counted by FEMA
1,565of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Kent County, Rhode Island have filed 1,303 flood claims. 898 received a payment, for a total of $21.5 million (an average of $23,943 per paid claim). The year with the most claims was 2010 (491 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 88 claims, 53 paid, $68,906 in total19781979: 54 claims, 41 paid, $102,332 in total1980: 12 claims19801982: 46 claims, 33 paid, $277,000 in total1983: 57 claims, 38 paid, $322,797 in total1984: 13 claims1985: 17 claims1987: 11 claims19901991: 79 claims, 53 paid, $460,169 in total1992: 11 claims1993: 15 claims1998: 21 claims, 10 paid, $48,600 in total20002001: 30 claims, 22 paid, $110,672 in total2005: 88 claims, 70 paid, $726,917 in total20052007: 24 claims, 19 paid, $527,838 in total2008: 12 claims2010: 491 claims, 392 paid, $14,714,414 in total201020102011: 14 claims2012: 37 claims, 31 paid, $743,820 in total2014: 14 claims20202023: 37 claims, 23 paid, $1,781,640 in total2024: 49 claims, 31 paid, $926,144 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20244931$926,144$29,876
20233723$1,781,640$77,463
201414<10––
20123731$743,820$23,994
201114<10––
2010491392$14,714,414$37,537
200812<10––
20072419$527,838$27,781
20058870$726,917$10,385
20013022$110,672$5,031
19982110$48,600$4,860
199315<10––
199211<10––
19917953$460,169$8,682
198711<10––
198517<10––
198413<10––
19835738$322,797$8,495
19824633$277,000$8,394
198012<10––
19795441$102,332$2,496
19788853$68,906$1,300

From 2016 to 2026: 86 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

ZIP codes in Kent County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Warwick (841 home policies) · Coventry (110 home policies) · East Greenwich (104 home policies) · West Warwick (81 home policies)