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Insurance in Focus For the 2,108 properties in Rhode Island within FEMA’s Special Flood Hazard Areas (SFHA), the Foundation calculated the average expected annual loss for structural damage per property to be $4,609 while the average National Flood Insurance Program premium for these properties is calculated to be $1,846.  If premiums were adjusted to cover current risk they would have to increase by 2.5 times. Homes inside SFHAs are mandated to carry flood insurance if they have a federally backed home loans. “The financial implications are most pronounced for 1,636 properties [in Rhode Island] with extreme risk and structural damage, which have a $5,148 gap between their calculated NFIP premium and expected annual loss per property,” the report continues. “This added cost, if reflected in premiums, would have the most pronounced impact to home values.”

Rhode islandUnited statesGolocalprov news teamNational flood insurance programAre expectedFirst street foundationFlood hazard areasரோட் தீவுஒன்றுபட்டது மாநிலங்களில்தேசிய வெள்ளம் காப்பீடு ப்ரோக்ர்யாம்உள்ளன எதிர்பார்க்கப்படுகிறதுமுதல் தெரு அடித்தளம்வெள்ளம் ஆபத்து பகுதிகள்