Flood insurance cost in Rhode Island
In Rhode Island, the lowest private flood insurance quote ran $782 a year and the typical private quote ran $1,933. The NFIP quote ran $1,812.
Private and NFIP quotes compared
Median annual premiums from 221 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Residential properties | $792 | $1,947 | $1,870 | 212 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Insurox compares quotes from 35+ insurance companies, NFIP and private, for your address.
Common questions
- How much does flood insurance cost in Rhode Island?
- From Nov 2024 to Nov 2026, the typical private flood insurance quote in Rhode Island was $1,933 a year and the lowest private quote a property received was $782. NFIP quotes ran $1,812. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- How often is the index updated?
- Every day. Each night the index is recalculated from the latest 24 months of quotes, so new quotes come in and the oldest drop out. These figures were last updated on November 5, 2026.
- Where do these numbers come from?
- From 221 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Nov 2024 to Nov 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Rhode Island
- Flood insurance cost calculator: an estimate for your ZIP code and flood zone, from the same quotes.
- Flood zone lookup: find the FEMA flood zone for an address, with a map.
- Flood risk report: the flood zone, ground elevation and flood disaster history for an address.
- Elevation Certificate Explainer: upload an elevation certificate and get it explained in plain language.
- Flood insurance in Rhode Island: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance in Rhode Island
- Private flood insurance in Rhode Island
- Commercial flood insurance in Rhode Island
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index. The figures may be reused with credit to Insurox: see using and citing the index.