Providence, RI

10 ZIP codes — Rhode Island

Compare quotes in Providence, RI

See rates from top carriers

Avg Premium (2025 Est.)

$2,528

+11.7% from 2022

Stress Score

59/100

Nonrenewal Rate

1.39%

Insurance/Income

3.2%

ZIP Codes in Providence

ZIP	Avg Premium	Stress Score	Risk
02907	$2,474	69	High
02905	$2,342	65	High
02908	$2,042	63	High
02909	$2,164	62	High
02904	$1,844	60	Elevated
02906	$3,242	56	Elevated
02911	$1,759	56	Elevated
02919	$1,817	56	Elevated
02903	$2,795	53	Elevated
02865	$2,148	50	Elevated

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.