Home Insurance in Pawtucket, Rhode Island
The median home value in Pawtucket is $325,500, 13% lower than the Providence County median.
The typical home in Pawtucket was built around 1947. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 65% of homes were built before 1960, about 10 points above Providence County's 54%.
In Pawtucket, the housing stock is 37% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
71% of owner-occupied homes in Pawtucket carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Pawtucket are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 67% of homes in Pawtucket are primarily heated with natural gas.
Providence County had 2,001 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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 | $325,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)