Water Damage Help in Narragansett, RI
Water damage in Narragansett, RI is closely linked to coastal storms: Sandy flooded the Pier area in 2012, and Carol and the 1938 hurricane struck the same shoreline. About a third of local homes are seasonal. Calls to (401) 466-0446 are connected with an independent local company through our free referral line.
Last updated October 15, 2026
Free referral service, not a restoration company. Calls and quote requests connect you with independent companies; we may be paid a referral fee.
Which storms have flooded Narragansett?
Sandy’s surge flooded the Pier and Memorial Square area, collapsed a section of the Ocean Road seawall and gutted a restaurant.
Source: The Independent · Source: The IndependentThe National Weather Service says Carol’s storm surge reached 10 to 15 feet across Rhode Island and nearly wiped out entire coastal communities from Westerly to Narragansett.
Source: National Weather Service, Flooding in Rhode IslandThe 1938 hurricane destroyed most of Galilee’s fishing fleet. The Towers survived but were damaged.
Source: NOAA 1938 hurricane report · Source: Narragansett Historical SocietyWhy do so many Narragansett homes sit empty?
About 3,148 Narragansett homes, roughly 32% of all housing units, are held for seasonal or recreational use, according to Census estimates. The median home was built in 1975.
Data: Census ACS 2020-24
What do official sources say about coastal flooding in Narragansett?
- Rhode Island’s STORMTOOLS maps model how storm flooding could reach individual coastal properties. (STORMTOOLS)
- Triple-I reports that Rhode Island insurers may apply a hurricane deductible of no more than 5% of a home’s insured value. (Triple-I, hurricane deductibles)
- Ready.gov warns that floodwater can be contaminated and contain dangerous debris, and that downed power lines can electrically charge it. (Ready.gov)
Guides to related services
- After a coastal storm: storm damage cleanup.
- Damp crawlspace or closed-up cottage: mold inspection and removal.
- How professional drying and restoration works.
Also on this site: burst pipe cleanup, flooded basement cleanup, sewage backup cleanup, cost factors, insurance questions, ice dam roof leaks.
To see how Narragansett compares with the rest of the state, check the Rhode Island flood and water damage risk by town guide.
Water damage in Narragansett, RI: common questions
Is storm surge damage covered by homeowners insurance?
Surge is flood damage. Triple-I says flood damage is excluded from standard homeowners policies and is insured separately. Wind damage falls under the homeowners policy, and Rhode Island hurricane deductibles are capped at 5% of insured value, according to Triple-I.
How many Narragansett homes are seasonal?
Census estimates count about 3,148 seasonal or recreational homes, roughly 32% of the town’s housing units.
Where can I see how a big storm could affect an address?
Rhode Island’s STORMTOOLS maps show modeled storm flooding for coastal properties.
Other coastal towns we cover
- Water damage help in South Kingstown
- Water damage help in North Kingstown
- Water damage help in Charlestown
- Water damage help in Block Island
All Rhode Island towns we serve · RI Water Damage Help home
About the publisher
RI Water Damage Help is a Rhode Island referral site, not a contractor. We gather local flood history from government plans and newspapers and link every source. Reach us at help@riwaterdamage.com.
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Water or storm damage in Narragansett?
The referral line at (401) 466-0446 connects callers with an independent local company at no charge.
Call (401) 466-0446Not urgent? Write to help@riwaterdamage.com