The Rhode Island Emergency Management Agency’s Planning and Mitigation Section is responsible for administering the National Flood Insurance Program (NFIP) in Rhode Island. The program was established in 1968, with the passage of the National Flood Insurance Act, to reduce the loss of life and property associated with flooding while offering property owners an opportunity to financially protect themselves.
Participation in the NFIP is based on an agreement between the municipality and the federal government. If a municipality agrees to adopt and enforce a floodplain ordinance designed to reduce future flood risks, all citizens in the participating municipality can purchase flood insurance. Currently, all 39 municipalities and 1 Tribal Nation in Rhode Island participate in the NFIP.