Natural Disaster Risk in Prudence Island
Rhode Island
Risk Summary for Prudence Island
Prudence Island scores 4.6/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Prudence Island, Rhode Island
Prudence Island is a small unincorporated community in Newport County, along the northeastern Atlantic Seaboard. The area experiences cold winters with coastal influence and warm summers, with nor'easter and coastal flooding events shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Prudence Island.
FEMA rates Prudence Island's composite natural disaster risk at 4.6 out of 10 — moderate risk. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Residents should also account for hurricane and earthquake risk in their preparedness planning.
Prudence Island's risk score, slightly below the 5.4/10 state average and near the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Newport County, the highest-scoring are coastal flood, hurricane, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, Prudence Island residents are well-served by maintaining standard preparedness practices — 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 Prudence Island: Coastal Flooding preparedness
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- 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.
Local Factors for Prudence Island
These city-level factors differentiate Prudence Island from other communities in Newport County and provide geographic context for its hazard exposure.
Population
156
RuralGeographic Zone
Atlantic Coast
Hurricane, nor'easter & coastal flood risk
Climate Band
Moderate Continental
Latitude 41.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.4/10
Coordinates
41.6172° N, 71.3289° W
Newport 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 Prudence Island
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Prudence Island
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.