Water Damage Restoration in Providence, RI
Providence by the numbers: 51 flood report days from 2016 to 2025, 109 freezing nights a year, 6 federal disaster declarations since 2016. Below: first steps, the records, Rhode Island insurance rules and costs.
Updated November 2, 2026
First Steps for Water in a Home in Providence
- Storm flooding: wait until the water stops rising and officials allow re-entry; wear boots and gloves (flooding steps).
- Stay clear of wet outlets and cords.
- Photograph the damage, then call your insurer.
Providence Flood Record
NOAA has 132 flood and flash flood reports for the 5 Rhode Island counties of the Providence metro area from 2016 to 2025, on 51 separate days; July had the most.
At the Providence T F Green Airport gauge, March is the wettest month with 4.9 inches on average.
Hurricanes, tropical storms or storm surge added 4 report days.
| Month | Flood report days | Normal precipitation (in) |
|---|---|---|
| January | 3 | 4 |
| February | 1 | 3.4 |
| March | 0 | 4.9 |
| April | 0 | 4.3 |
| May | 2 | 3.4 |
| June | 4 | 3.8 |
| July | 14 | 2.9 |
| August | 9 | 3.6 |
| September | 11 | 4.2 |
| October | 1 | 4.2 |
| November | 2 | 4.3 |
| December | 4 | 4.7 |
| County | Flood report days | Reports |
|---|---|---|
| Providence County | 32 | 82 |
| Kent County | 17 | 21 |
| Washington County | 11 | 15 |
| Bristol County | 6 | 6 |
| Newport County | 5 | 8 |
Freezing Nights in Providence
Providence averages 109 nights a year at or below 32°F (Providence T F Green Airport station). About 34 of them drop to 20°F or colder. NOAA counted 29 winter storm, ice or extreme cold days in the 5 Rhode Island counties of the Providence metro area from 2016 to 2025.
Unheated crawl spaces, attics and garages freeze first (Red Cross); keep the heat at 55°F or more (IBHS).
Storms and Disasters in Providence
The 5 Rhode Island counties of the Providence metro area were named in 6 federal weather or fire declarations since 2016 (OpenFEMA).
Notable NOAA storm reports
- August 18, 2023: Tornado, EF2 (Providence County)A tornado caused significant damage along a discontinuous path in Scituate, Johnston, and North Providence, Rhode Island.
- September 5, 2022: Flash flood (Providence County)In Providence, 7 to 10 inches of rain fell over the course of a few hours during the mid to late afternoon creating serious flash flooding.
- August 22, 2021: Tropical storm (Washington County)Wind speeds generally were gusting to 60 to 70 mph in Washington County. There was significant damage and widespread power outages.
- June 29, 2019: Hail, 1.75 inch hail (Providence County)At 2:51 PM EST, an amateur radio operator reported one-inch diameter hail in Scituate. At 3 PM EST, 1.75 inch diameter hail fell on Lincoln. At 3:04 PM EST, 1.75 inch diameter hail fell on Cumberland.
- February 25, 2016: Thunderstorm wind, 76 mph gust (Bristol County)An amateur radio operator recorded a 76 mph wind gust on their home weather station in Bristol. In addition, several large trees were downed around Roger Williams University and other parts of Bristol.
Federal disaster declarations
- March 20, 2024: Severe Storms And FloodingSevere Storm, FEMA DR-4766
- March 20, 2024: Severe Storm And FloodingSevere Storm, FEMA DR-4765
- January 7, 2024: Severe Storms, Flooding, And TornadoesSevere Storm, FEMA DR-4753
- April 14, 2023: Queens River FireFire, FEMA FM-5464
- May 12, 2022: Severe Winter Storm And SnowstormSnowstorm, FEMA DR-4653
- August 21, 2021: Hurricane HenriHurricane, FEMA EM-3563
Providence Housing at a Glance
Census figures for the city of Providence (American Community Survey, 2020 to 2024): 79,423 housing units, a median build year of 1938, 82% built before 1980, 74% before 1970, 41% owner occupied.
Rhode Island Insurance Rules for Water Claims
Rhode Island insurers must acknowledge written notice of a claim in writing within 15 days (230-RICR-20-40-2).
Claim problems in Rhode Island go to the Rhode Island Division of Insurance.
Flood damage needs a separate flood policy, which typically starts 30 days after purchase (FloodSmart). Look up Providence flood zones on FEMA's flood maps.
Restoration Cost Guide for Providence
| Typical range (national) | Cost |
|---|---|
| Most jobs | $1,305 to $5,707 |
| Sewage, per sq ft | $7 to $7.50 |
| Average insurer payout, water or freeze claim | $15,400 |
Sources: Bob Vila, May 2023; III, 2019 to 2023.
Areas Served Around Providence
The same 24/7 line covers the Providence metro area, including:
- Providence
- Cranston
- Warwick
- Pawtucket
- East Providence
- Woonsocket
- Newport
- Central Falls
Questions
When is the first freeze in Providence?
The median first night at or below 32°F is October 30 and the median last is April 11 at the Providence T F Green Airport station (NOAA normals, 1991 to 2020).
How fast does mold start?
Dry wet materials within 24 to 48 hours (EPA).
Sources: NOAA Storm Events, NOAA normals, OpenFEMA, Census ACS, 230-RICR-20-40-2, EPA mold guide.