Flood Claims Map

Rhode Island

Flood insurance claims in Washington County, Rhode Island

FEMA records 2,399 National Flood Insurance Program claims in Washington County, Rhode Island, since 1978, with $51.9 million paid in total. The year with the most claims was 2012, with 857. As of 3 August 2026, 6.6% of homes here had an NFIP policy, and 49.0% of homes in the high-risk flood zone did.

NFIP claims on record2,399
Total paid$51.9 million
Claims with a payment1,766
Homes with NFIP policy6.6%
High-risk zone homes insured49.0%
Residential policies in force3,354

Claims by year of loss

1978: 6519781979: 131980: 161981: 01982: 5219821983: 141984: 101985: 531986: 219861987: 71988: 61989: 11990: 119901991: 3311992: 741993: 431994: 2619941995: 41996: 71997: 61998: 3719981999: 92000: 92001: 142002: 520022003: 52004: 12005: 652006: 520062007: 552008: 42009: 162010: 42220102011: 522012: 8572013: 82014: 820142015: 32016: 12017: 12018: 520182019: 32020: 22021: 162022: 1020222023: 142024: 392025: 02026: 22026857

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

1978: $188,82319781979: $22,2101980: $31,7971981: $01982: $503,39519821983: $143,3981984: $1,7341985: $146,3731986: $37,36019861987: $22,6871988: $5,0041989: $01990: $019901991: $3.3 million1992: $665,4471993: $500,2461994: $172,42719941995: $7,1311996: $109,9251997: $21,9031998: $280,06319981999: $64,9592000: $160,3402001: $49,8202002: $27,20720022003: $10,5872004: $2,1532005: $824,8832006: $19,25220062007: $331,0272008: $6,9192009: $146,9352010: $7.9 million20102011: $1.3 million2012: $32.6 million2013: $190,6172014: $21,32020142015: $5262016: $02017: $2,8412018: $215,06820182019: $9,4202020: $6,2462021: $408,4802022: $246,51220222023: $513,8562024: $692,9282025: $02026: $02026$32.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy854
March 2010 Nor'easter408
Hurricane Bob256
Not a named storm56
Hurricane Irene48
Hurricane Ida15
December Nor'easter8
Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
02891864
02879488
02882387
02852275
02813226
0287420
0283218
0280718
0289211
0282210

1,944 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $44.1 million, contents $7.2 million, increased cost of compliance $612,233.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,8322,37049.0%
All homes50,8593,3546.6%

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.