The following is taken from WesterlyRI.gov and can be found here.
Flood Zone Management & Protection
The Federal Emergency Management Agency (FEMA) has identified four (4) flood zones within the Town of Westerly which are subject to regulation: Zone A, Zone AE, Coastal Zone AE and Zone VE. These areas are characterized as the Special Flood Hazard Area (SFHA), meaning they are subject to inundation by a one-percent (1%) annual chance of flooding or, more simply, a flood event is projected to occur once every century. For this reason, the SFHA is also commonly known as the 100-year floodplain or the base floodplain. The Base Flood Elevation (BFE) is the water-surface elevation of the 1% annual chance of flooding.
Many homeowner’s and renter’s insurance policies do not include protection from flood events. To address this, the National Flood Insurance Program creates the opportunity for property owners to obtain a flood insurance policy through a private insurance company or from the federal government. For more information on the NFIP, we recommend you visit its official website as well as FloodSmart.gov. To find out if your property is protected by flood insurance, contact your insurance agent.
In 2012, the Town voluntarily joined the NFIP’s Community Rating System (CRS). By exceeding the minimum requirements set by the NFIP for floodplain management, the Town has the opportunity to earn our property owners discounted policy rates. Currently, we rank as a Class 8 community.