Rhode Island Home-Insurance Distress by County

Rhode Island reads well above the national norm for home-insurance distress — an average county score of 57/100, 10th-highest of 52 states and territories. DLRadar tracks all 5 Rhode Island counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

The sharpest pressure concentrates in Providence County (77/100, #452 nationally) and Kent County. Below, every Rhode Island county is ordered by insurance distress and links through to its detail page.

Underneath the Rhode Island headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

For anyone sourcing acquisitions in Rhode Island, the value of a state-level insurance read is that it points to which counties to open first: a well above the national norm average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

Across Rhode Island, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

The takeaway for Rhode Island is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

Because Rhode Island is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #10 national rank and county order move with actual conditions, not a fixed snapshot.

In 1 Rhode Island counties the score tops 70 (severe) — the markets where keeping a policy is the real problem.

Rhode Island's three-year flood-loss record — 176 claims, $6,223,452 paid — is the evidence carriers cite for pullback.

Statewide, the pressure is driven by an average FEMA hazard score of 41/100 and average NFIP flood-claim stress of 82/100 — the exposures carriers price against and increasingly decline to renew, and why Rhode Island premiums climb faster than incomes.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces Rhode Island's insurance-squeezed sellers ahead of the market.