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Flood insurance cost · ZIP 02891 · RI

Flood insurance cost in ZIP 02891 (Westerly, RI)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 658 home policies in force on August 31, 2026.

ZIP code 02891 (Westerly, RI)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,415a year

Half of insured homes paid between $1,106 and $1,920. That is 10% more than the Washington County median ($1,283). Most insured homes here are rated in zone AE (68%).

$0$1,106 · $1,415 · $1,920$2,400
+7.9% vs Aug 31, 2025 (median $1,312)
658home policies in force
$1,608average cost (mean)
80%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 ZIP code 02891

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		$1,464$1,137–$2,080$1,75882 (12%)+4.9%
Zone AE
High risk		$1,551$1,187–$2,065$1,716446 (68%)+6.6%
Zone X
Moderate to low risk		$1,122$822–$1,409$1,141129 (20%)+8.8%

Not shown (fewer than 10 home policies): A, 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 ZIP code 02891, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home618$1,417$1,612
2–4 unit building32$1,551$1,765
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.		11$2,323$2,736
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		102$3,086$3,972

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

771NFIP policies in force, any building
841insured units (condo association policies count every unit)
67%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 02891

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 force682658−3.5%
Median annual cost$1,312$1,415+7.9%
Average annual cost$1,503$1,608+7.0%
All policies in force (any building)793771−2.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 02891 have filed 866 flood claims. 698 received a payment, for a total of $28.2 million (an average of $40,388 per paid claim). The year with the most claims was 2012 (397 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 14 claims, 12 paid, $15,528 in total19801982: 21 claims, 16 paid, $414,731 in total1985: 34 claims, 21 paid, $143,229 in total19901991: 122 claims, 84 paid, $1,301,117 in total19911992: 32 claims, 22 paid, $340,692 in total1993: 22 claims, 18 paid, $322,877 in total1994: 19 claims, 16 paid, $113,115 in total20002005: 14 claims, 10 paid, $91,991 in total2007: 10 claims2010: 97 claims, 89 paid, $3,927,697 in total201020102011: 28 claims, 23 paid, $983,988 in total2012: 397 claims, 342 paid, $19,687,183 in total20122020
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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2012397342$19,687,183$57,565
20112823$983,988$42,782
20109789$3,927,697$44,131
200710<10––
20051410$91,991$9,199
19941916$113,115$7,070
19932218$322,877$17,938
19923222$340,692$15,486
199112284$1,301,117$15,489
19853421$143,229$6,820
19822116$414,731$25,921
19781412$15,528$1,294

2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

NFIP communities in this ZIP code

Westerly (657 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.