Westerly, RI
Washington County41.3776°N, 71.8273°W
Tracking 11,641 properties across Westerly, Rhode Island — a community where the median home dates to 1970 and the oldest to 1665. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
11,641
Properties Tracked
1970
Median Year Built
$488K
Median Assessed Value
15%
FEMA Flood Zone
3.15M
NEP Data Facts Tracked
56%
Coastal Zone
Click any parcel to view intelligence
Westerly, RIInc. 1661
Westerly is a town on the Connecticut border with a well-defined downtown and the beach community of Watch Hill — one of the most exclusive waterfront neighborhoods in New England. Watch Hill's lighthouse, carousel, and the mansions along Bluff Avenue create a property environment where assessed values reach into the tens of millions. The downtown, along the Pawcatuck River, has a more modest commercial and residential character.
For property professionals, Westerly's split between the Watch Hill luxury waterfront market and the working-class downtown creates one of the widest value ranges of any town in Rhode Island. The coastal exposure at Watch Hill and Misquamicut Beach brings extreme flood and storm risk, while the downtown's river proximity creates its own flood considerations.
Risk Profile
FEMA flood zones, fire protection grades, radon, coastal exposure, storm surge — parcel by parcel
FEMA Flood Zones
1,791 properties (15%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
9,850
AE
1,397
VE
326
A
68
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
686
Grade B
5,462
Grade C
4,568
Grade D
641
Grade E
284
Coastal & Water Exposure
6,497 properties (56%) are within 3 miles of the ocean. 1,872 are classified as waterfront. The closest property is 0 ft from the coastline.
745
SLR 1 ft
Properties affected
986
SLR 3 ft
Properties affected
1,499
SLR 6 ft
Properties affected
2,566
Surge Exposure
Cat 1/2/3/4
716
Estuary
Waterfront
435
Pond
Waterfront
201
Marine
Waterfront
Zone 2
Radon Risk
136 mph
Design Wind Speed
ASCE 7 standard
30 psf
Ground Snow Load
ASCE 7 standard
Relatively Low
FEMA Risk Index
NRI composite rating
The Property Landscape
11,641 properties · Median year built 1970 · Avg 2,154 sf
Property Types
Single Family
8,175
Other
1,366
Two-Family
818
Institutional
467
Commercial
457
Three-Family
204
Agricultural / Open Space
58
Vacant Land
36
Condominium
26
Multi-Family
19
Construction by Era
Pre-1800
39
1800-1849
38
1850-1899
441
1900-1949
2,076
1950-1979
3,308
1980-1999
2,418
2000+
1,539
Architectural Styles
Ranch
2,051
Custom
1,493
Colonial
1,222
Cape Cod
1,112
Multi-Family
986
Conventional
715
Raised Ranch
672
Contemporary
345
Market Activity
Recorded transactions from Washington County Registry of Deeds
52%
Owner-Occupied
23%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 98% of Westerly properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Building Permits & Maintenance
68,479 municipal building permits on file · 78% of properties
NE Provenance tracks 68,479 building permits across 9,118 Westerly properties — 78% coverage. 4,849 properties have permit activity in the last five years.
Each permit record reveals maintenance decisions: roof replacements, electrical upgrades, kitchen renovations, solar installations. For insurance, lending, and appraisal professionals, permit history is the most objective evidence of property condition available from public records.
68,479
Permits on File
78%
Coverage
Properties with permits
4,849
Active (5yr)
Recent permit activity
85%
Condition Rated
NEP assessment
Living in Westerly
Washington County · Rhode Island
Zip Codes02804028080281302891
VillagesBradford
23,154
Population
2020 Census
11,641
Properties
$488K
Median Assessed
52%
Owner-Occupied
29.5
Square Miles
Westerly covers 29.5 square miles in Washington County, Rhode Island. The median assessed property value is $488K.
Single-family homes account for 8,175 of Westerly's 11,641 properties and 1,041 multi-family buildings. There are 457 commercial properties and 36 parcels of vacant land. About 52% of properties are owner-occupied, and 23% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $366K and $797K, with the highest assessed property at $31.1M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
45% of properties are on municipal sewer, with the remainder on private septic systems. Electric service is provided by THE NARRAGANSETT ELECTRIC CO. 851 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Westerly its character. 1,005 properties have swimming pools.
What Westerly Property Intelligence Means for Professionals
Insurance & Underwriting
With 15% of properties in FEMA flood zones and 56% in the coastal zone, Westerly concentrates several major underwriting variables. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Westerly's 10 property types, spanning construction from 1665 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 15% of Westerly properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
68,479 permits across 78% of properties means most Westerly inspection assignments can start with documented renovation and system history, not a blank slate.
Inspection solutionsExplore Westerly property intelligence.
11,641 Westerly properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/westerly-ri. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.