🌍 ClimateRiskCheck

Natural Disaster Risk in Narragansett

Rhode Island

5.4out of 10
Moderate Risk

Risk Summary for Narragansett

Narragansett scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.

Top Hazards

Coastal Flooding Hurricane Ice Storm

All 18 Hazard Scores

Coastal Flooding
9.7
Hurricane
8.8
Ice Storm
7.6
Earthquake
7.1
Lightning
7.0
Extreme Heat
5.4
Tsunami
5.4
Drought
5.1
Volcanic Activity
5.1
Winter Weather
4.9
Landslide
4.5
Avalanche
4.5
Strong Wind
3.9
Tornado
3.8
Cold Wave
3.4
Wildfire
3.3
Hail
1.5
Riverine Flooding
1.0

How it compares

Narragansett
5.4
Rhode Island avg.
5.4
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Narragansett, Rhode Island

Located along the northeastern Atlantic Seaboard in Washington County, Narragansett is a city of approximately 13,091 residents. The humid continental climate that characterizes this part of Rhode Island β€” marked by cold winters with coastal influence and warm summers β€” directly influences the types and severity of natural hazards present, making Narragansett a community where hazard awareness has real practical value.

Narragansett's overall natural disaster risk is rated 5.4/10 (Moderate) by FEMA's National Risk Index. Coastal flood risk defines the local natural hazard environment, with sea-level rise trends gradually increasing the frequency of tidal flooding events alongside storm surge threats. Secondary hazards include hurricane and ice storm.

Relative to other U.S. communities, Narragansett's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.4/10 state average. The hazard distribution here is led by coastal flood and hurricane, as measured by FEMA across Washington County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Narragansett residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for coastal flood is recommended.

What this means for Narragansett: Coastal Flooding preparedness

  • Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
  • Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
  • Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.

Local Factors for Narragansett

These city-level factors differentiate Narragansett from other communities in Washington County and provide geographic context for its hazard exposure.

Population

13,091

Suburban

Geographic Zone

Atlantic Coast

Hurricane, nor'easter & coastal flood risk

Climate Band

Moderate Continental

Latitude 41.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Lower β€” moist climate limits wildfire frequency

Fire score: 3.3/10

Coordinates

41.4253Β° N, 71.4682Β° W

Washington County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Narragansett

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Narragansett

Other cities in Rhode Island

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.