Homeowners Insurance & Natural Hazard Costs in Middletown
Middletown's hazard profile runs through real, disclosed coastal hurricane and flood risk, alongside a genuinely favorable statewide homeowners-insurance backdrop.
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Learn moreReal, historically documented hurricane risk
Coastal Rhode Island's documented hurricane history (the 1938 hurricane, Hurricane Carol in 1954, Hurricane Bob in 1991) applies directly to Middletown's Aquidneck Island, ocean-facing setting.
Real coastal flood exposure
Portions of Middletown fall within FEMA Special Flood Hazard Areas; the town's 2019 Hazard Mitigation Plan provides FEMA Community Rating System credits toward NFIP premium discounts.
Rhode Island's below-national homeowners-insurance market
Rhode Island's statewide homeowners-insurance average ($1,932-$2,196/year) runs approximately 40% below one cited national average, though standard policies exclude flood damage -- a separate NFIP policy is needed.
Key takeaways
- Middletown carries real, historically documented hurricane risk tied to its Aquidneck Island setting.
- Portions of Middletown fall within FEMA Special Flood Hazard Areas.
- Rhode Island's homeowners-insurance market runs below the national average, though flood coverage requires a separate NFIP policy.
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