Homeowners Insurance & Natural Hazard Costs in Narragansett
Narragansett's hazard profile runs through real, disclosed coastal hurricane and flood risk tied to its open-Atlantic South County setting.
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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 Narragansett's open-Atlantic setting.
Real, ongoing coastal flood and erosion exposure
Narragansett's low-lying Atlantic shoreline carries real, ongoing coastal-flooding and erosion risk; the town maintains its own dedicated FEMA Flood Maps resource page.
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 flood coverage requires a separate NFIP policy.
Key takeaways
- Narragansett carries real, historically documented hurricane risk given its open-Atlantic setting.
- Real, ongoing coastal flooding and erosion exposure is a genuine local concern the town actively tracks.
- Rhode Island's homeowners-insurance market runs below the national average, though a separate NFIP policy is needed for flood coverage.
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