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Flood insurance cost · Providence County, RI

Flood insurance cost in Providence County, Rhode Island

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 724 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,036a year

Half of insured homes paid between $674 and $1,576. That is 14% less than the Rhode Island median ($1,204). Most insured homes here are rated in zone X (57%).

$0$674 · $1,036 · $1,576$1,970
+9.5% vs Aug 31, 2025 (median $946)
724home policies in force
$1,296average cost (mean)
43%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 Providence 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		$1,870$1,461–$2,351$2,09037 (5%)+9.0%
Zone AE
High risk		$1,596$1,018–$2,076$1,837241 (33%)+11.4%
Zone A
High risk		$1,238$994–$1,809$1,50636 (5%)+14.7%
Zone X
Moderate to low risk		$786$552–$1,169$888410 (57%)+2.5%

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 Providence County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home615$1,067$1,305
2–4 unit building58$1,342$1,754
Condo or apartment unit51$535$664
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.		104$2,275$7,480
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		211$4,641$5,935

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

1,039NFIP policies in force, any building
1,998insured units (condo association policies count every unit)
76%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Providence 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 force764724−5.2%
Median annual cost$946$1,036+9.5%
Average annual cost$1,182$1,296+9.6%
All policies in force (any building)1,0971,039−5.3%

How many homes have flood insurance?

0.5%of all homes in Providence County have an NFIP policy
58.1%of homes in high-risk zones (special flood hazard area) have one
153,665residential buildings counted by FEMA
649of 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 Providence County, Rhode Island have filed 1,639 flood claims. 1,289 received a payment, for a total of $49.1 million (an average of $38,077 per paid claim). The year with the most claims was 2010 (476 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 81 claims, 52 paid, $384,315 in total1979: 128 claims, 105 paid, $1,943,455 in total19791980: 14 claims, 11 paid, $86,880 in total19801982: 106 claims, 90 paid, $1,336,922 in total1983: 62 claims, 47 paid, $613,026 in total1984: 41 claims, 24 paid, $491,806 in total1985: 12 claims1986: 18 claims, 13 paid, $224,190 in total19901991: 15 claims1998: 59 claims, 45 paid, $1,228,801 in total1999: 17 claims, 14 paid, $408,795 in total20002001: 33 claims, 25 paid, $371,390 in total2005: 232 claims, 202 paid, $9,412,544 in total20052006: 39 claims, 34 paid, $1,441,278 in total2007: 18 claims, 15 paid, $626,543 in total2008: 23 claims, 20 paid, $582,289 in total2010: 476 claims, 406 paid, $19,152,430 in total201020102013: 17 claims, 13 paid, $238,762 in total2018: 15 claims, 10 paid, $121,598 in total20202023: 62 claims, 45 paid, $4,155,172 in total2024: 58 claims, 46 paid, $3,898,707 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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20245846$3,898,707$84,754
20236245$4,155,172$92,337
20181510$121,598$12,160
20131713$238,762$18,366
2010476406$19,152,430$47,173
20082320$582,289$29,114
20071815$626,543$41,770
20063934$1,441,278$42,391
2005232202$9,412,544$46,597
20013325$371,390$14,856
19991714$408,795$29,200
19985945$1,228,801$27,307
199115<10––
19861813$224,190$17,245
198512<10––
19844124$491,806$20,492
19836247$613,026$13,043
198210690$1,336,922$14,855
19801411$86,880$7,898
1979128105$1,943,455$18,509
19788152$384,315$7,391

From 2016 to 2026: 135 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.

Main NFIP communities in the county

East Providence (159 home policies) · Cranston (144 home policies) · Providence (94 home policies) · Burrillville (42 home policies) · North Providence (42 home policies) · Johnston (38 home policies)