Risk Index · Providence County · 2026-06-13
Providence, RI real-estate risk
- Risk score
- 93.7/100
- Relatively Moderate
- Expected annual loss
- $130M
- all hazards, county-wide
- Buildings-only loss
- $110M
- what owners and insurers carry
- Population
- 660K
- Providence County
Providence, RI (Providence County) carries a FEMA National Risk Index score of 93.7/100, rated "Relatively Moderate" and driven mainly by heat wave and riverine flood, with roughly $130M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Heat wave97.2
- Riverine flood96.6
- Hurricane91.7
- Earthquake89.4
- Tornado78.3
- Hail75.1
- Coastal flood56.4
- Strong wind53.5
- Drought34.9
- Wildfire31.7
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Providence risk questions
Is Providence, RI a high-risk area for real estate?
Providence scores 93.7/100 on FEMA's National Risk Index, rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $130M per year.
What is the biggest natural hazard in Providence?
The highest-rated hazard is heat wave (97.2/100), followed by riverine flood (96.6/100).
How does hazard risk affect property insurance in Providence?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.