Homeowners Insurance & Natural Hazard Costs in South Kingstown
South Kingstown's hazard profile runs through real, disclosed direct coastal hurricane exposure along Block Island Sound, alongside Rhode Island's own genuinely favorable statewide insurance-cost picture.
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Learn moreReal, disclosed direct coastal hurricane exposure
South Kingstown's Block Island Sound coastline (Matunuck, East Matunuck State Beach) inherits Rhode Island's real, well-documented historical hurricane exposure -- the 1938 hurricane, Hurricane Carol in 1954, Hurricane Bob in 1991.
Ongoing coastal flooding and erosion risk
Beyond named-storm hurricane risk, South Kingstown's Matunuck-area shoreline carries real, ongoing coastal-flooding and erosion exposure the Rhode Island DEM actively tracks.
Rhode Island's genuinely favorable statewide insurance picture
No South Kingstown-specific premium figure was found this pass; Rhode Island's own statewide average ran $1,932-$2,196/year, genuinely below the national average, though standard coverage excludes flood damage.
Key takeaways
- South Kingstown carries real, direct coastal hurricane exposure along Block Island Sound.
- Rhode Island's statewide homeowners-insurance average runs genuinely below the national figure.
- Confirm current, address-specific flood-zone status and separate NFIP flood-insurance cost directly for coastal properties.
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