Flood Claims Map

Rhode Island

Flood insurance claims in Providence County, Rhode Island

FEMA records 1,626 National Flood Insurance Program claims in Providence County, Rhode Island, since 1978, with $49.0 million paid in total. The year with the most claims was 2010, with 476. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 58.1% of homes in the high-risk flood zone did.

NFIP claims on record1,626
Total paid$49.0 million
Claims with a payment1,281
Homes with NFIP policy0.5%
High-risk zone homes insured58.1%
Residential policies in force834

Claims by year of loss

1978: 7819781979: 1231980: 141981: 81982: 10619821983: 601984: 381985: 121986: 1819861987: 81988: 11989: 21990: 619901991: 151992: 31993: 71994: 619941995: 11996: 51997: 11998: 5919981999: 172000: 22001: 332002: 320022003: 12004: 42005: 2322006: 3920062007: 182008: 232009: 72010: 47620102011: 62012: 42013: 172014: 520142015: 72016: 12017: 22018: 1520182019: 22020: 22021: 82022: 520222023: 622024: 582025: 22026: 42026476

NFIP claims by year of loss, Providence County, Rhode Island

1978: $364,29819781979: $1.9 million1980: $86,8801981: $44,0511982: $1.3 million19821983: $609,0211984: $456,2381985: $40,6901986: $224,19019861987: $66,2481988: $01989: $01990: $3,47619901991: $93,9631992: $1,5201993: $36,2061994: $151,80519941995: $01996: $2,5721997: $3,0631998: $1.2 million19981999: $408,7952000: $02001: $371,3902002: $4,57020022003: $02004: $11,6662005: $9.4 million2006: $1.4 million20062007: $626,5432008: $582,2892009: $5,1092010: $19.2 million20102011: $47,3462012: $58,8342013: $238,7622014: $18,40020142015: $3,3842016: $4,6612017: $29,7972018: $121,59820182019: $02020: $4,1202021: $583,3292022: $439,36520222023: $4.2 million2024: $3.9 million2025: $502,4652026: $205,8982026$19.2 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Providence County, Rhode Island

Named flood events with the most claims

Event (FEMA name)Claims
March 2010 Nor'easter459
Not a named storm184
December Nor'easter26
Flooding25
Hurricane Bob13
Hurricane Ida3
Hurricane Irene2
Hurricane Elsa2

ZIP codes with the most claims

ZIP code (as reported)Claims
02920236
02910212
02904201
02909148
02919117
0291467
0290567
0291165
0286450
0286036

986 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $35.9 million, contents $13.1 million, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone64937758.1%
All homes153,6658340.5%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.