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Natural hazards · Narragansett

Narragansett, RI natural hazards

Most of the natural-hazard damage FEMA expects in Narragansett comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 341 claims here since 1978. 10 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Narragansett?

21
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Narragansett to be higher than in 21% of U.S. communities, mostly from inland flooding.

Inland flooding64%Coastal flooding12%Hurricanes12%Everything else12%
By hazard

What Narragansett faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

64% of expected damage
Below average · higher than 29% of U.S. places
Recorded about once a year in the area

Coastal flooding

12% of expected damage
Well above average · higher than 98% of U.S. places

Hurricanes

12% of expected damage
Well above average · higher than 80% of U.S. places
Recorded about once every 5 years in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Narragansett flood?

Every paid claim on a federal flood insurance policy in Narragansett, from FEMA’s records.

341paid claims since 1978
$9.2Mpaid to owners
24homes flooded more than once
19782026

Biggest named events

  • Hurricane Sandy: 125 claims, $5.3M
  • Hurricane Bob: 56 claims, $1.6M
  • March 2010 Nor'easter: 54 claims, $273K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (7) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
🏷️ 15% off flood insurance. Narragansett is in FEMA’s Community Rating System (class 7) for its flood-proofing work.
Insurance rates: Washington County.

What’s been done with FEMA grants

2homes raised above flood level
Disasters that hit Narragansett

10 federal disasters brought FEMA money here

Disasters the President declared that paid out in Narragansett itself: aid to households, or repair grants to the Town of Narragansett.

Brought FEMA money into NarragansettDeclared for Washington County only
2024

Severe Storms and Flooding

30 households applied for aid $39K aid approved $346K to the Town of Narragansett for repairs
2023

Severe Storm and Flooding

11 households applied for aid $19K aid approved
2022

Severe Winter Storm and Snowstorm

$52K to the Town of Narragansett for repairs
2015

Severe Winter Storm and Snowstorm

$57K to the Town of Narragansett for repairs
2013

Severe Winter Storm and Snowstorm

$82K to the Town of Narragansett for repairs
2012

Hurricane Sandy

67 households applied for aid $34K aid approved $334K to the Town of Narragansett for repairs
2011

Tropical Storm Irene

$117K to the Town of Narragansett for repairs
2010

Severe Storms and Flooding

330 households applied for aid $309K aid approved $135K to the Town of Narragansett for repairs
2005

Record Snow

$41K to the Town of Narragansett for repairs
2003

Snow

$21K to the Town of Narragansett for repairs
Washington County has had 20 natural disasters declared since 1953, most often winter storms and hurricanes.
Around Narragansett

Narragansett and the towns around it

South Kingstown: Low, mostly inland floodingJamestown: Very low, mostly inland floodingNorth Kingstown: Low, mostly inland floodingRichmond: Low, mostly inland floodingCharlestown: Low, mostly inland floodingExeter: Very low, mostly inland floodingNewport: Very low, mostly inland floodingPortsmouth: Very low, mostly inland floodingMiddletown: Very low, mostly inland floodingWarwick: Low, mostly inland floodingEast Greenwich: Low, mostly inland floodingNarragansett: Low, mostly inland flooding NarragansettSouth KingstownJamestownNorth Kingstown
Very lowLowModerateHighVery high
Narragansettmostly inland floodingLow
South Kingstownmostly inland floodingLow
North Kingstownmostly inland floodingLow
Jamestownmostly inland floodingVery low
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Narragansett covers 3 census tracts, combined by population.
Money that reached townFlood claims are matched to Narragansett’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Narragansett. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Narragansett total about $2.6M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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