Home Insurance in Kent County, Rhode Island
The median home value in Kent County is $366,100, 9% lower than the Rhode Island median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kent County was built around 1967. About 42% of homes were built before 1960, about 7 points below Rhode Island's 48%.
In Kent County, the housing stock is 71% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Kent County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Kent County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Kent County are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Kent County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), inland flooding (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Kent County has 1,336 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Rhode Island, the statewide average premium for a standard HO-3 homeowners policy is $2,396 per year (NAIC, 2023 data).
Key figures
| Median home value | $366,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 1,336 |
| Home insurance premium | $2,396 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)