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Flood history · Westerly, RI 02891

Flood insurance claims in Westerly, RI 02891

866 claims since 1978 and $27.9 million paid. Here's what the public record shows, and how to check a specific address.

Check an address in 02891
866flood insurance claims since 1978
$27.9 millionpaid to policyholders
$39,933average paid claim
9claims in the last 10 years
8%of claims outside high-risk zones
#1of 76 Rhode Island ZIP codes by claims

Claims by year

Every NFIP flood insurance claim reported in ZIP 02891 since 1978.

1978: 14 claims1979: 3 claims1980: 5 claims1982: 21 claims1983: 1 claims1984: 1 claims1985: 34 claims1986: 1 claims1987: 3 claims1988: 2 claims1989: 1 claims1991: 122 claims1992: 32 claims1993: 22 claims1994: 19 claims1995: 2 claims1996: 2 claims1998: 1 claims1999: 5 claims2000: 6 claims2001: 2 claims2003: 2 claims2005: 14 claims2007: 10 claims2009: 9 claims2010: 97 claims2011: 28 claims2012: 397 claims2015: 1 claims2018: 1 claims2019: 1 claims2021: 2 claims2022: 1 claims2023: 2 claims2024: 2 claims19801990200020102020

What the record says

Almost all claims here (92%) were on properties in high-risk zones (A or V). In those zones, federally regulated lenders require flood insurance.

One event dominates the record: Hurricane Sandy accounts for 46% of all claims in this ZIP code.

9 claims were filed in the last 10 years.

The most commonly recorded cause is tidal water overflow: coastal surge and high tides.

Westerly, Town Of takes part in FEMA's Community Rating System (class 7), which can lower flood insurance premiums by up to 15% in high-risk zones.

Biggest flood events

EventYearClaimsShare
Hurricane Sandy201239646%
March 2010 Nor'easter20109511%
Hurricane Bob1991829%
Hurricane Irene2011263%
Not a named storm1982243%
December Nor'easter202320%

Flood zone at time of claim

High-risk zones (A, V)92% · 800
Moderate or minimal risk (X, B, C)8% · 66

NFIP communities

Westerly, Town OfCRS class 7 · up to 15% off

Federal disaster declarations in Washington County

Flood, hurricane and storm declarations since 2000.

Severe Storms And FloodingSevere Storm · Major disaster · 2024-03-20
Severe Storm And FloodingSevere Storm · Major disaster · 2024-03-20
Hurricane HenriHurricane · Emergency · 2021-08-21
Severe Winter Storm And SnowstormSevere Storm · Major disaster · 2015-04-03
Severe Winter Storm And SnowstormSevere Storm · Major disaster · 2013-03-22
Hurricane SandyHurricane · Major disaster · 2012-11-03

12 flood, storm or hurricane declarations for Washington County since 2000.

Check a specific address in Westerly.

ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.

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Nearby Rhode Island ZIP codes

02813

Charlestown

226 claims · $2.6 million paid

02879

Wakefield

488 claims · $8.6 million paid

02882

Narragansett

387 claims · $7.7 million paid

02852

North Kingstown

275 claims · $1.9 million paid

02835

Jamestown

58 claims · $289,925 paid

02816

Coventry

84 claims · $1.3 million paid

Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.

All Rhode Island ZIP codes · All states · Flood zones explained