Rhode Island Home InsuranceFlood insurance discounts in Rhode Island
Flood discounts in Rhode Island
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 40 Rhode Island communities in the National Flood Insurance Program, 11 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Charlestown | 6 | 20% |
| Bristol | 7 | 15% |
| Middletown | 7 | 15% |
| Narragansett | 7 | 15% |
| Newport | 7 | 15% |
Source: FEMA NFIP Community Status Book.
Within 24 hours a licensed agent will email you back a competitive quote.
Not an automated estimate — a licensed agent reviews your details personally.
Request a quote