Flooding can happen unexpectedly—even in low-risk zones—leading to costly damage that standard homeowners coverage doesn’t include. Rhode Island Personal Flood Insurance protects your property and belongings against flood-related losses. At Segreve & Hall, we help you navigate both federal NFIP options and private insurance plans to ensure your home has the protection it needs.
Rhode Island Personal Flood Insurance That Shields Your Home from Rising Waters
Trusted by Businesses for 30+ years 
Why Flood Insurance Matters in Rhode Island
Protection for coastal, riverside, and inland properties
Because of coastal exposure and heavy seasonal rainfall, homes throughout Rhode Island face flood risk. Over 20% of flood claims come from properties outside high-risk areas, so flood insurance is smart even if it’s not required. If your property lies in a FEMA-mapped Special Flood Hazard Area (SFHA), federal regulations may require flood insurance when your mortgage is backed by a regulated lender.
Coverage Options Through NFIP and Private Markets
Government-backed or customizable private policies
Rhode Island homeowners can choose between two main options for flood coverage:
- NFIP flood insurance, supported by FEMA, offers standardized coverage with limits up to $250,000 for the building and $100,000 for contents.
- Private flood insurance, which may provide higher limits, broader coverage, and more flexible deductible options.
All private insurers must be licensed by the Rhode Island Department of Business Regulation and comply with state consumer protection laws to ensure fair pricing and claims practices.
Check Your Flood Risk Using State Tools
Determine your flood zone and insurance needs accurately
Use the Rhode Island Floodplain Mapping Tool, provided by RIEMA, to view your property’s flood zone. This tool helps determine if your home lies within a high-risk (A/V) or moderate-to-low-risk (X) flood zone, which impacts premium rates and coverage recommendations.
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From Our Clients
It was a pleasure working with my agent Finn Collins. I recently switched my Auto and Home/Umbrella Insurance over and he made the transition smooth and seamless. He was fast with the quotes and very responsive in getting the new policies set up.
I had a fantastic experience working with the Segreve & Hall team. As I was preparing for an interstate move, Paulo Botelho and the rest of the team were all incredibly helpful in quoting and starting new auto and renters policies. They went above and beyond to make this step of the moving process smooth and seamless. I'm very happy with the policies/prices we landed on, and I cannot recommend the team highly enough!
I worked with Paulo Botelho of Segreve & Hall on obtaining insurance for a new seasonal residence in Maine. Paul was very knowledgeable, efficient, very easy to work with and I was able to quickly obtain excellent coverage at a premium much lower than I expected. I highly recommend Paulo and his firm.
I worked with Hunter and Adam on getting health insurance last minute. I was unaware I’d lose coverage when I turned 26 and was desperate for help. They made the process simple for me and I had no gap in coverage. I look forward to working with them in the future for my other insurance needs.
Great communication from them. Always answer all my questions promptly and are great to work with.
I had an exceptional experience working with Hunter and his amazing team, Adam and Michael. From the very first consultation, Hunter took the time to thoroughly understand my needs and explained all my options with clarity and patience. His professionalism, expertise, and genuine care made the entire process smooth and stress-free.Thanks to Hunter and his team, I now have a comprehensive life insurance plan that gives me peace of mind for the future. I highly recommend them to anyone seeking trustworthy, knowledgeable, and caring insurance professionals. Five stars.
Paulo is so very helpful with everything we have needed so far. He even had to re-route our policy from an old address and did that without a problem. Very smooth transition from our former agency. Thank you Paulo!
I was looking for both flood and homeowner's insurance for my first home with my fiance, and a client connected me with Michael Segreve. I worked with Michael Brandolini to get both homeowner's insurance and and flood insurance, as well as a new auto policy. Michael was extremely helpful and prompt, and a great communicator. I strongly recommend Segreve and Hall, specifically Michael Brandolini for insurance needs!
Great staff , Communication on point, Very helpfulHighly recommend this agents.
They have helped me and I'm satisfied beyond measure they are really good for me
I recently turned 26 and needed to find my own health insurance for the first time. I worked with Hunter, who made the entire process incredibly smooth and stress-free. He took the time to explain my options clearly and helped me enroll in a Tufts plan that fits my needs perfectly. What I expected to be a confusing and overwhelming experience turned out to be simple and straightforward, thanks to Hunter and the Segrave & Hall Team. I’m so grateful for their support and highly recommend their services!
Tom has been a pleasure to work with and secured me a good rate on home insurance. Great experience.
Our agent Geoffrey paid attention to our needs and got us what we wanted and looked at diferante option to get us the best rate possible
Recently switched over my auto insurance. My agent, Fionbarra Collins, saved me a lot of money from what I was previously paying. Highly recommend giving them a shot!
These guys are the real deal !A pleasure to work with and they really care about making life easier for everyone!Great work boys !
I had a great experience working with Paulo, He helped me to decrease the price of my home insurance.
They got me a really good quote in a short amount of time. I would definitely recommend Segreve & Hall
Thomas and Sean are awesome they have been instrumental in the success of my business!
Brian was great with talking me through my first homeowners policy. He found us a great rate and executed a seamless closing with our mortgage broker. Will be looking into more policies with Segreve & Hall in the future.
Frequently asked questions
Do I need flood insurance in Rhode Island?
If your home lies in a FEMA-designated flood zone and you have a federally backed mortgage, flood insurance is required. However, even homeowners in moderate-risk zones without mandates are strongly advised to carry it, given the potential financial impact of flood damage.
What does Rhode Island flood insurance cover?
Flood insurance policies typically cover:
- Structural damage to your home
- Electrical, plumbing, and HVAC systems
- Personal property such as furniture, electronics, and clothing
- Debris removal and cleanup costs
- Additional living expenses if your home is uninhabitable post-flood
Can I lower my flood insurance premium in RI?
Yes. Options include:
- Elevating your HVAC and utilities
- Installing flood-resistant building materials
- Reviewing flood zone classification and requesting map updates or a Letter of Map Change
- Participating in Community Rating System (CRS) initiatives—the more your community invests in flood mitigation, the lower your NFIP premium may be.
