Home Insurance in East Providence, Rhode Island
The median home value in East Providence is $365,500, close to the Providence County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in East Providence was built around 1958. About 53% of homes were built before 1960, in line with Providence County (54%).
The housing stock in East Providence is 56% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 67% of owner-occupied homes in East Providence have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in East Providence are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
60% of homes in East Providence 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.
What's the biggest home insurance risk near East Providence? FEMA's National Risk Index points to inland flooding (Relatively High) in Providence County and Providence County had 2,001 active NFIP flood policies as of September 2026. See the full Providence County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Rhode Island carries a statewide average premium of $2,396 per year.
Key figures
| Median home value | $365,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Providence County | 2,001 |
| Home insurance premium | $2,396 - statewide average (NAIC, 2023 data) |
Nearby towns
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)