FEMA flood zone rules in Providence, RI — also called floodplain regulations or special flood hazard area (SFHA) rules — determine flood insurance requirements and elevation standards for new construction.
Providence participates in FEMA's National Flood Insurance Program and regulates development in flood-prone areas. The city faces flood risk from the Providence River, Narragansett Bay, and coastal storm surge.
Providence's floodplain management regulations control construction in FEMA-designated flood zones. Properties in the 100-year floodplain must meet elevation requirements with the lowest floor at or above the base flood elevation. The city faces significant flood risk from the Providence River, Woonasquatucket River, and Narragansett Bay storm surge. The Fox Point Hurricane Barrier protects parts of the city but does not eliminate all flood risk. Substantial improvements (over 50% of market value) must be brought into compliance. Flood insurance is required for properties with federally backed mortgages in Special Flood Hazard Areas.
Building in flood zones without proper permits and elevation certificates may result in fines, denial of flood insurance, and increased rates.
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Side-by-side rule comparisons with other cities in Providence County.
See how other cities in Providence County handle flood zones.
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