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Browse flood insurance agents serving Narragansett, Rhode Island. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Narragansett, RI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Rhode Island before hiring.
Showing 2 flood insurance agents in Narragansett, RI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
AAA Narragansett
14 Woodruff Ave, Narragansett, RI 02882
(401) 789-3000
branches.northeast.aaa.com
Sunshine Insurance RI
120 Point Judith Rd, Narragansett, RI 02882
(401) 213-1307
Flood insurance agents in Narragansett, Rhode Island help homeowners and businesses secure coverage through the National Flood Insurance Program (NFIP) and private insurers. Because Narragansett is a coastal community with high flood risk, Rhode Island law requires lenders to mandate flood insurance for properties in Special Flood Hazard Areas. An agent can explain local elevation certificates and flood zone designations to ensure proper coverage.
What Does a Flood Insurance Agent in Narragansett Cost?
Typical flood insurance costs in Rhode Island depend on the property flood zone, elevation, and building age. For Narragansett, NFIP premiums often start around 700 dollars per year for lower-risk areas and can exceed 3,000 dollars for V zones (high-velocity coastal zones). Private market policies may offer competitive pricing but require careful comparison. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Narragansett, Rhode Island?
If your property is in a high-risk flood zone and you have a federally backed mortgage, lenders require flood insurance. Even in moderate-risk areas, agents often recommend coverage because Narragansett experiences coastal storms and heavy rain events.
What does a flood insurance agent do in Rhode Island?
A flood insurance agent assesses your property risk, explains NFIP and private policy options, and helps you complete the application. They also assist with elevation certificate requirements and can advise on waiting periods, which are typically 30 days for NFIP policies.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Rhode Island.