Risk Before Buy
ZIP Code Risk Report · RI

Barrington Hurricane Risk (02806)

02806 in Barrington, RI: hurricane and flood risk, est. insurance $2,030–$3,678/yr, and buyer guidance before you close.

Barrington, Rhode Island 02806

Data retrieved: Oct 29, 2026 at 13:44 UTC

Overall Risk

Above the national median (top 35% most at-risk)

County-level composite

Est. Annual Insurance

$2,030 – $3,678

Directional range

Premium Strain

3.51% of median income

elevated

Flood Insurance

Likely required

FEMA NFHL flagged SFHA

Flood-first due diligence

Is 02806 in a flood zone — and what will insurance cost?

  • FEMA maps flag SFHA exposure in parts of 02806; lenders often require a separate flood policy.
  • Budget homeowners around $2,030–$3,678/yr, then add a flood quote if the parcel is in an SFHA.
  • Compare 02806 with nearby ZIPs in Barrington before you lock price or inspection timelines.

Quick buyer brief

What makes 02806 different

A short, indexable summary for buyers comparing 02806 with nearby options in Barrington.

02806 ranks above the national median (top 35% most at-risk) for overall climate risk, with the biggest current drivers being hurricane or flood.

Buyers in this ZIP should budget roughly $2,030 - $3,678/yr for homeowners insurance before carrier-specific adjustments. FEMA data suggests some addresses may require flood insurance.

If you are choosing between nearby ZIP codes, compare this page with the state overview and the nearby-ZIP links below before you write an offer.

Rhode Island overviewContract templatesRun free address lookup

Insurance Market Context

These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.

Market Pressure

MODERATE

Rhode Island's admitted-carrier market is showing mild contraction. A broker with state-specific experience helps.

Admitted Market Share

78%

Carriers exiting at 3.0% YoY in Rhode Island.

Residual Market

$2,000–$3,800

annual · last-resort
FAIR Plan / Citizens exposure up 18% since 2020.

Premium Strain Index

Insurance is roughly 3.5% of median household income — above the 2% middle-income affordability benchmark.

Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $2,030 to $3,678. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.

Not an insurance quote. These figures are derived from public state Department of Insurance filings and are intended to surface market pressure signals. Actual premiums depend on parcel-specific underwriting factors and carrier availability. Consult a licensed insurance broker for a binding quote.

Bristol County Hazard Breakdown

Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).

Above the national median (top 26% most at-risk)

Hurricane

High

Bottom 20% nationally (safer than most)

Earthquake

Minimal

Below the national median (safer than most)

Extreme Heat

Low

Above the national median (top 34% most at-risk)

Flood

High

Bottom 20% nationally (safer than most)

Wildfire

Minimal

Bottom 20% nationally (safer than most)

Severe Storm / Tornado

Minimal
Hazard
Risk Level
Score · Source
Hurricane
Above the national median (top 26% most at-risk)· FEMA
Earthquake
Bottom 20% nationally (safer than most)· USGS
Extreme Heat
Below the national median (safer than most)· NOAA
Flood
Above the national median (top 34% most at-risk)· FEMA
Wildfire
Bottom 20% nationally (safer than most)· USDA
Severe Storm / Tornado
Bottom 20% nationally (safer than most)· FEMA

Local Flood Risk Cost Estimator

Flood insurance costs in Barrington, RI

In Barrington, RI, the directional annual NFIP flood insurance premium is approximately $1,963 (range $1,472–$3,500), and the estimated average historical flood claim in Bristol is $61,152. Typical mapped exposure aligns with Zone A / AE (SFHA) (county flood percentile: 66).

NFIP premium (mid)
$1,963/yr
Monthly escrow slice
$123–$292/mo
Avg. paid claim
$61,152
Lender may require
Likely yes (SFHA)
Check my flood zoneFlood + escrow calculator

Hurricane Windstorm Deductible Estimator

Named windstorm deductible exposure in Barrington, RI

In Barrington, RI, a 1.74% hurricane / windstorm deductible on a $450,000 insured dwelling implies roughly $7,830 out-of-pocket before the carrier pays (hurricane percentile: 74).

Deductible %
1.74%
Out-of-pocket
$7,830
Emergency fund target
$11,745
Windstorm deductible calculatorHurricane buyer guide

What each hazard means for you

Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.

Hurricane Risk

Above the national median (top 26% most at-risk)High

NRI hurricane risk: Above the national median (top 26% most at-risk) for hurricane exposure (county-level, based on historical storm tracks and wind-speed exceedance).

FEMA · National Risk Index (HRCN)

Earthquake Risk

Bottom 20% nationally (safer than most)Minimal

Bottom 20% nationally (safer than most) for earthquake exposure. USGS PGA: 0.110g (site class D). Geologically stable region; earthquake is not a meaningful property risk here.

USGS · Design Maps (ASCE 7-16) + NRI

Extreme Heat

Below the national median (safer than most)Low

Long-term heat risk: Below the national median (safer than most) (NRI county baseline). This reflects multi-decadal extreme-heat exposure, not the current week's weather.

NOAA · National Risk Index (HWAV)

Flood Risk

Above the national median (top 34% most at-risk)High

County NRI flood risk: Above the national median (top 34% most at-risk) for flood exposure. NFHL parcel query unavailable.

FEMA · National Risk Index

Wildfire Risk

Bottom 20% nationally (safer than most)Minimal

Blended wildfire risk: Bottom 20% nationally (safer than most). USDA Wildfire Hazard Potential at parcel: Low (Class 2/5). County NRI wildfire risk: Bottom 20% nationally (safer than most). The parcel-level USDA score moderates the county NRI signal.

USDA · WHP + National Risk Index

Severe Storm / Tornado

Bottom 20% nationally (safer than most)Minimal

NRI severe-storm risk: Bottom 20% nationally (safer than most) for severe-thunderstorm, hail, straight-line wind, and tornado exposure (county-level).

FEMA · National Risk Index (TRND)

FEMA Flood Zone

Is this specific parcel in a Special Flood Hazard Area?

The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.

Run a free address lookup

Carrier Outlook

Rhode Island's admitted-carrier market is showing mild contraction. A broker with state-specific experience helps.

Data Sources

FEMA NRINOAAUSGSUSDAEPA
Data Sources & Methodology

FEMA— National Risk Index

Retrieved October 28, 2026

View source

FEMA— National Risk Index (HRCN)

Retrieved October 28, 2026

View source

USDA— WHP + National Risk Index

Retrieved October 28, 2026

View source

USGS— Design Maps (ASCE 7-16) + NRI

Retrieved October 28, 2026

View source

NOAA— National Risk Index (HWAV)

Retrieved October 28, 2026

View source

FEMA— National Risk Index (TRND)

Retrieved October 28, 2026

View source
View full methodology

What buyers should know

Buying in 02806: a risk primer

Before you write an offer on a home in Barrington, understand how climate and insurance costs affect long-term ownership in 02806.

02806 in Barrington, Rhode Island, scores above the national median (top 35% most at-risk) on our composite climate-risk index. That ranking reflects the combined influence of hurricane wind exposure (74) and flood risk (66) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.

The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.

Hurricane risk in 02806

The hurricane wind exposure score for 02806 is 74 (high), which is above the national median. 02806 is in a high hurricane wind zone. Standard homeowners policies in Rhode Island often have separate hurricane/wind deductibles (frequently 2–10% of dwelling coverage). Buyers should model a named-storm deductible on top of the base premium before finalizing a budget.

For a specific address inside 02806, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.

Flood risk in 02806

The flood risk score for 02806 is 66 (high), which is above the national median. 02806 maps to a FEMA Special Flood Hazard Area or near-SFHA zone in Barrington. With FEMA's Risk Rating 2.0 now pricing policies by parcel-level risk rather than just zone, buyers here should expect flood premiums to rise over the life of ownership. A LOMA (Letter of Map Amendment) may help if the finished floor is clearly above the BFE, but the process takes 60–90 days.

For a specific address inside 02806, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.

Insurance is where climate risk becomes a monthly payment. In 02806, our directional estimate for a standard homeowners policy plus required hazard coverage is $2,030 – $3,678 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.

Relative to local incomes, that premium range equals approximately 3.51% of the Bristol County median household income — a elevated premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.

Buyer action items

  • Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes hurricane wind exposure and flood risk. Do this before the inspection contingency expires.
  • Add a climate contingency to the purchase agreement. Our free Rhode Island-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
  • Order hazard-specific inspections if the top risks warrant it. In 02806, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.

Frequently asked questions about 02806

Ready to underwrite 02806?

Get the full address-level report

Both tiers use verified federal data. The $19 snapshot is your pre-offer feasibility check (delivered within 5 minutes). The $99 audit adds parcel flood verification, market context, claim history, and a negotiation brief (within 24 hours).

Full Report

Tier L2

$19per address

Address-level hazard and insurance feasibility snapshot — five hazards, 30-year projections, carrier pressure signals, and a buy / negotiate / walk-away read for pre-offer buyers. PDF delivered within 5 minutes.

  • Five-hazard score breakdown: flood, wildfire, hurricane, earthquake, heat
  • 30-year federal climate projections for heat, wildfire, and sea level rise
  • Insurance premium estimate range based on state DOI filings
  • Clear buy / negotiate / walk-away recommendation with plain-language reasoning
  • Comparable lower-risk communities within 25 miles (up to 3 when available)
  • Plain-English explanations of SFHA, BFE, residual market, and other insurance terms
  • Single PDF you can share with your partner, agent, or inspector

Best for: pre-offer sanity check

Delivered: PDF by email within 5 minutes

Federal data: FEMA, USGS, NOAA, USDA, EPA

Delivered by email within 5 minutes of payment.

Most comprehensive

Pre-Purchase Audit

Tier L3

$99per property

Under-contract diligence package: parcel flood zone verification, state insurance market analysis, NOAA claim history, and an evidence-backed negotiation brief to assess earnest-money risk. PDF delivered within 24 hours.

  • Everything in the $19 Full Report
  • Parcel-level FEMA flood zone verification (Zone A/AE/VE/X — point-in-polygon)
  • State insurance market analysis: admitted carrier share, exit rate, residual market growth
  • Premium Strain Index — insurance cost as % of local median income, with 2% / 5% affordability benchmarks
  • 10-year NOAA Storm Events claim history for the ZIP code
  • Negotiation leverage brief with specific, evidence-backed seller-concession asks (typically 3–5; fewer when data is limited)
  • Total carrying cost estimate: HO-3 baseline + standalone perils + residual market fallback
  • Identifies whether the property may become hard to insure before you close
  • Gives you specific talking points for price, credits, and contingency negotiation

Best for: under-contract buyers

Delivered: PDF by email within 24 hours

Includes: 7-day no-questions-asked refund

Delivered by email within 24 hours of payment.

Nearby ZIP risk profiles in Bristol

Compare climate and insurance risk across neighboring ZIP codes before you commit to a specific address in Barrington.

Explore 02806 in context

Indexable hub links for buyers comparing 02806 with the wider Barrington market and Rhode Island insurance trends.

How we score 02806

Free contract templates for Rhode Island buyers

Download free climate-risk contingency addendums written for Rhode Island purchase agreements. Add hurricane, flood, or extreme-heat contingencies to your offer.

Browse free templates