Rhode Island Home-Insurance Distress by County

Rhode Island reads among the most severe in the country for home-insurance distress — 5 counties averaging 60/100, 9th of 52 states.

1 of Rhode Island's 5 counties score 70 or higher (severe).

Rhode Island's reading rests on a FEMA hazard average of 47/100 and NFIP flood-claim stress of 81/100.

Over three years Rhode Island counties filed 180 NFIP flood claims, $6,354,311 paid.

Highest in Rhode Island: Providence County 81/100 (#337 US), Kent County 70/100 (#645 US), Washington County 69/100 (#670 US), Newport County 57/100 (#979 US), Bristol County 23/100 (#2113 US).

Rhode Island counties by insurance band: 3 medium (Rhode Island), 1 low, 1 high; Rhode Island NFIP claims, three years: 180; Rhode Island payouts $6.4 million.

Rhode Island counties with the most NFIP claims: Providence 64 ($4.6 million); Kent 49 ($926,144); Washington 41 ($692,928) in Rhode Island; Newport 18 ($96,881); Bristol 8 ($31,289).

Rhode Island county average fell: 59.8 in March 2026; Rhode Island reads 56.2 in October 2026; Rhode Island by month: March 59.8, April 59.8, May 60.0 (Rhode Island), June 60.0, July 58.2, August 57.4 (Rhode Island), September 57.2, October 56.2.

Highest Rhode Island ZIPs, insurance distress: 14850 58 (climate 75), 13073 58 (climate 75) in Rhode Island, 13102 58 (climate 75), 13062 58 (climate 75) in Rhode Island, 14882 58 (climate 75), 14854 58 (climate 75) in Rhode Island.

Reading the Rhode Island bands: 1 of 5 Rhode Island counties sit in a high or worse insurance band; Rhode Island filed 180 NFIP claims in three years, $6.4 million paid to Rhode Island policyholders; a Rhode Island county's band moves when FEMA hazard revisions, new Rhode Island NFIP settlements or carrier filings change its monthly score.