Godlington Manor · Photo: Douglas Barber, HABS photographer · Public domainOn FEMA’s figures, Kingstown faces less hazard damage per building than 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Kingstown gets an A+ for hazard risk: lower expected damage per building than 96% of U.S. towns. Most of that expected damage is river and rain flooding (67%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Kingstown faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Coastal flooding
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Kingstown’s grade
River and rain flooding is 67% of the building damage FEMA expects in Kingstown, and Kingstown’s rate of river and rain flooding damage is lower than 88% of U.S. census tracts. Coastal flooding adds 7%, at a rate in the top 4% of U.S. census tracts.
A+ lower expected damage per building than 96% of U.S. towns (21,298).
All of Kingstown’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $415K a year in losses across Kingstown: $173K to buildings, the rest to people and crops.
Does Kingstown flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Kingstown. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Kingstown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Queen Anne's County.The storms Kingstown remembers
None of the 13 disasters declared for Queen Anne's County shows FEMA aid or repair money reaching Kingstown itself in FEMA’s records, so these are its biggest flood-claim years.
Queen Anne's County has had 13 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Get ready for what Kingstown faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Know your evacuation zone and the way off the coast.
- Storm surge comes fast: leave when you’re told, not when the water arrives.
- Move cars to high ground before king tides and nor’easters.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Kingstown
Is Kingstown at risk for natural disasters?
On FEMA’s National Risk Index, Kingstown has lower expected damage per building than 96% of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (67%) and hurricanes (9%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Kingstown in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Queen Anne's County, 7.9% of all homes carry federal flood insurance.
How much is flood insurance in Kingstown?
FEMA’s Community Rating System list shows no discount for Kingstown’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Kingstown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (67%), and Kingstown’s rate for it is lower than 88% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kingstown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kingstown’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.