What to Know About Buying Waterfront Property in Rhode Island

Buying a waterfront home in Rhode Island isn’t just about breathtaking views — it’s also a unique real estate experience with added responsibilities, opportunities, and long-term value. Whether you're dreaming of a summer getaway in Narragansett, a year-round home in East Greenwich, or a peaceful retreat on Block Island, understanding the ins and outs of waterfront property is essential before making your move.

At Greenwich Bay Brokers, we specialize in helping buyers navigate these one-of-a-kind purchases with clarity and confidence. Here's what you should know before investing in a waterfront property in the Ocean State.

1. Not All Waterfronts Are the Same

Rhode Island offers a diverse mix of waterfront settings — from saltwater coastline and sandy beaches to tidal rivers, private coves, and lakefront properties.
Each comes with its own lifestyle, regulations, and risks. For example:

• Saltwater homes may face higher insurance premiums and stricter building codes.

• Lakefront or riverfront homes might offer more privacy but may have limited access or usage restrictions.

Knowing the difference—and what fits your lifestyle—is a key first step.

2. Understand Shoreline Access and Rights

Just because a home has water views doesn’t always mean you can access the shoreline directly or build a dock.
Water rights in Rhode Island can be complex, especially with tidal changes, erosion zones, and public access laws.

Before buying, it’s important to:

• Verify whether the property includes private access or deeded rights

• Understand local restrictions for docks, moorings, or seawalls

• Review CRMC (Coastal Resources Management Council) guidelines

3. Expect Higher Maintenance Needs

Waterfront homes are exposed to moisture, salt air, wind, and weather that can speed up wear and tear. This means more frequent maintenance for things like:

• Roofing and siding

• Decks and railings

• Windows, doors, and HVAC systems

Budgeting for ongoing upkeep is key to protecting your investment long term.

4. Insurance and Flood Zones Matter

Many waterfront homes in Rhode Island fall within FEMA flood zones, which can affect your insurance rates and lending options.
Before closing, make sure you:

• Order a current flood zone determination

• Get insurance quotes early — rates can vary significantly

• Understand how elevation certificates or mitigation work can reduce costs

A waterfront-savvy agent will help you navigate this part of the process and avoid surprises.

5. Work With a Local Expert Who Knows the Coastline

Buying a waterfront property isn’t the time to rely on a generalist. From understanding tide lines to knowing which neighborhoods are prone to erosion or flooding, local expertise is essential.

At Greenwich Bay Brokers, our team has deep knowledge of waterfront real estate in East Greenwich, Narragansett, Newport, Barrington, Block Island, and more. We guide clients through inspections, insurance, permitting, and the entire buying process—so you can focus on finding the right view.

Let’s Find Your Rhode Island Waterfront Home

Whether you're looking for a seasonal escape or a year-round retreat, owning a waterfront property in Rhode Island is a dream worth doing right. Let the experienced agents at Greenwich Bay Brokers help you navigate the details and make that dream a reality.

Reach out today to explore waterfront listings and get expert advice tailored to your goals.